Finpage's Vehicle Loans module handles two-wheeler, four-wheeler, and commercial vehicle financing with dealer onboarding, margin money, RC hypothecation, and the full NOC lifecycle built in.
Each vehicle category has its own policy structure, ticket band, and risk profile. Finpage handles all three under a unified configuration rather than separate systems.
Scooter and motorcycle financing via dealer partnerships. High volume, small ticket, strong margin money discipline.
New and used car loans — private and commercial use. Dealer-sourced, salaried and self-employed bands, CSC / used-vehicle inspection add-ons.
LCV, MCV, HCV, tractors — with fleet-operator underwriting, route-revenue assessment, and multi-vehicle exposure tracking per borrower.
Vehicle loans are a three-sided business: you, the borrower, and the dealer. Finpage is designed for all three relationships — not just the borrower.
Full KYC of showrooms, DSAs, and sub-brokers. Commission structures per variant, subvention tracking, and payout reconciliation — everything the dealer network manager needs.
Pro-forma invoice captured upfront, margin money receipt on file, direct-to-dealer payout triggered only after verification. No standalone disbursements.
Post-disbursement RC collection workflow with RTO state mapping, HP endorsement tracking, smartcard receipt verification, and vehicle registration number linkage.
First-year package insurance on disbursement, renewal reminders, policy refresh capture, and claim-linked write-off management. Uninsured = flagged automatically.
Legal-notice issuance, yard intake capture, auction pricing, sale-proceeds adjustment. Everything a fleet repossession ops team requires, tied back to the loan.
On loan closure, NOC generation, RTO endorsement for HP cancellation, customer communication, and registry update — automated end-to-end in a single workflow.
For used vehicle financing — integration with third-party valuation providers, inspection report workflow, condition grading, and depreciated-value LTV computation.
OEM subvention, dealer subvention, low-rate promo schemes with sunset dates, finance charge rebate tracking — with clean accounting segregation per scheme.
For fleet operators with 10+ CVs under the same borrower entity — consolidated exposure tracking, cross-collateralisation, borrower-level NPA classification.
The vehicle loan lifecycle runs parallel tracks — the customer's journey and the dealer's. Finpage synchronises both.
Captured by dealer or DSA, submitted to Finpage with borrower + vehicle details.
Bureau pulls, income verification, vehicle category risk scoring, margin validation.
Sanction letter, offer acceptance, margin money collected at dealership.
Invoice-locked payment to dealer, NACH active, welcome pack triggered.
RC collected, HP endorsement verified, vehicle number updated to loan record.
EMI collection, insurance renewal, NOC on closure, portfolio monitoring.
In vehicle finance, the customer is at the showroom with money in hand. If your sanction takes longer than lunch, they've walked to the competitor. Finpage is tuned for that reality.
From dealer-submitted enquiry to sanction letter in the customer's hand in 18 minutes median for 2W and 47 minutes for 4W — with the full BRE and bureau pull stack running underneath.
Your dealer partners log into a dedicated portal — submit applications, track sanctions, view subvention payouts, download MIS reports. No WhatsApp chains, no lost applications.
On loan closure, NOC letter generated automatically, RTO endorsement for HP cancellation initiated, customer notified. No "come back next week" emails to borrowers.
OEM promos, dealer schemes, festive offers — every rupee of subvention is tracked per scheme, per vintage, with clean reconciliation at period-end. No accounting fires in year-end close.
Vehicle loans sit under RBI NBFC-MFI and NBFC-AFC frameworks. Finpage keeps the module aligned with current guidance without you chasing it.
30-minute walkthrough. We'll wire up a live dealer flow, push a sanction through the BRE, and show the dealer portal exactly as your partners will see it.