A thin credit file is not the same as a risky one.
First-time buyer funded 95% of an on-road price
Amount
₹9.5 Lakh
Category
Car Loan
Profile
Young salaried professional, 14 months' work experience
The Challenge
With barely over a year of work history and no prior loans, the applicant had a near-empty credit report — and most lenders treat that as uncertainty.
How We Structured It
We presented salary stability and a low fixed-obligations ratio to a lender comfortable with new-to-credit borrowers, and structured a tenure that kept the EMI comfortable.
The Outcome
95% of the on-road price funded, with an EMI well within the borrower's monthly budget.
Your Next Financial Goal