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Looking to Buy a Vehicle? Your Gold Can Help!
The growing interest rates in personal and commercial vehicles has become a problem for the consumers. With overall increasing rates of interest, vehicle loans interest rates have also increased.
This has had a negative impact on the vehicle sales in the country as the overall cost to purchase vehicles has increased exponentially.Using gold loans can be a sustainable option to fund your vehicle purchase, as it provides a quick and hassle-free way to finance a vehicle purchase.
Due to the presence of some fantastic lenders like indiagold, gold loans have become extremely easy and quick to avail, with indiagold offering gold loans disbursal in under 30 minutes!* The entire process of applying for gold loans is also extremely easy and requires minimal documentation and effort, which makes the entire journey extremely smooth!
Who Should Apply?
Gold loans are an extremely versatile form of financing, which can benefit a large set of people. Following applicants can greatly benefit from a gold loan:

People who want to purchase a new car
For funding expenses related to a new car purchase, gold loans can prove to be an extremely beneficial form of funding

People who want to purchase a used vehicle
Even if you’re looking to purchase a used vehicle - car or a bike, it would have no impact on your loan application in contrast to the vehicle loans offering higher interest rates for used car loan
No matter how much cost of your vehicle, if you have gold, you have capital ready to use.
Gold Loan Calculator
Estimate how much loan you can get against your gold
Why Choose a Gold Loan to Finance Your Vehicle Purchase?
WE VALUE YOUR GOLD
Why choose
indiagold provides gold loans across India
Instant loan disbursal
Gold loans, unlike standard vehicle loans, offer instant disbursal. This means applicants don’t have to wait through long assessment timelines just to find out their eligibility. Once approved, disbursal happens within minutes—perfect for urgent vehicle needs. Lenders like indiagold provide loan disbursal in under 30 minutes!
No restrictions on fund usage
Gold loans offer complete flexibility in fund usage. Unlike traditional vehicle loans that can only be used for purchasing vehicles, gold loans allow you to use the funds for new or used vehicles, down payments, or even post-purchase expenses like accessories. You’re in full control of how you utilize the money.
Suitable for low or no credit score
Gold loans are secured by collateral, which minimizes the lender’s risk and removes the need for a strong credit history. Whether you're a first-time borrower or someone with a less-than-perfect credit record, you can still easily avail a gold loan using your gold assets.
How to Buy a Vehicle Using a Gold Loan: Step-by-Step

Visit a trusted bank or NBFC and pledge your gold
This is crucial as choice of lender can impact the cost of loan, and the convenience offered to the borrower. Lenders like indiagold offers loans starting at just 0.85%* per month and offer highly customer centric features such as home visit by the representative, disbursal in under 30 minutes* among many more!

Complete KYC and get your gold appraised
The KYC process is a fairly quick process and is done by the lender’s representative. The process is completed using the borrower’s KYC documents such as Aadhar card, etc.

Receive the loan amount in your bank account
Once the gold collateral is assessed, and the loan is approved, the lender receives the gold loan amount directly in their bank account, reducing the dependency on cash transit! indiagold offers loan disbursal in under 30 minutes!* enabling the borrowers to make use of the loan amount efficiently.

Use the funds to pay for your car, bike, or commercial vehicle
Irrespective of the purpose of the loan, once the loan is disbursed the borrower can utilize the funds as per their requirement, they can utilize gold loan for bike purchase, car purchase, purchasing vehicle accessories, etc.

Repay the loan via EMIs or a lump sum payment
Gold loan repayment options for vehicle purchase are no different to standard gold loan repayment options. The borrower can choose between repaying the loan amount in fixed monthly EMIs essentially paying both principal as well as interest on a monthly basis, or repay in lump sum i.e. interest is payable on a monthly basis, and as when the borrower has funds available, they can pay the same towards the principal amount.
Safe doorstep gold pickup and insured storage with indiagold.
Get Your Vehicle Funded in 3 Simple Steps

Apply Online
Fill in your basic details

Gold Evaluation
Schedule at-home evaluation or visit a center.

Get Instant Disbursal
Money transferred directly to your account.
Safe doorstep gold pickup and insured storage with indiagold.
Documents Needed for a Vehicle Gold Loan
Identity Proof
Aadhaar, PAN Card, Passport, or Voter ID
Address Proof
Aadhaar, Utility Bill, Passport
Optional Business Proof
GST Certificate, Business License (for larger loans)
That's it — no financial statements, no lengthy verifications!
Why do customers trust indiagold for loans for Vehicle Purchase
Fastest loan approval and disbursal
This can prove to be imperative in cases where the borrower requires urgent funding especially for entrepreneurs.
100% secured and insured gold storage
You can be rest assured, your gold is safe with indiagold!
Transparent, low interest rates
If you need a loan for MSME business, then gold loans are a fantastic option. These offer interest rates starting at just 0.85% per month.
Doorstep service in multiple cities
The customer centricity is unmatchable!
Customer-first policies
Policies such as low interest rates, quick processing times, and home pick-up highlight customer centricity of the highest order!

We understand its your gold, so we have thought this through!
India’s Safest Gold Loan App
4.7
23.5K+ Reviews

Singh Laxman
Nov 6, 2024
Switched from Muthoot to indiagold and saved ₹9400 per month. Great app!

Madesh N Nadar
Nov 3, 2024
Wonderful service! I only needed to show my ID proof. The entire process was smooth and efficient. I really appreciated the service they provided.

Shiva Rastogi
Nov 2, 2024
Great app. It has extremely simple procedure to take loan with minimum documentation and less paperwork and low interest rates. its really great to have this amazing app.

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or call us at 1800-123-999-888