Drive Your Business Forward with Used Vehicle Finance

Flexible financing solutions for pre-owned commercial vehicles designed to support transport businesses, fleet expansion, and operational growth.

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Check Eligibility

Smart Financing for Commercial Mobility

At APYS Finvest, we understand the important role commercial vehicles play in driving businesses and livelihoods.

Our Used Vehicle Loan solutions are designed to help individuals and businesses finance pre-owned commercial vehicles with flexible repayment options and a transparent process.

Whether you are expanding your fleet or purchasing your first commercial vehicle, we are here to support your journey forward.

Apply Now

Know More

Features & Benefits

Faster processing

Quick approvals so you can get on the road without delays.

Loans for trucks, tippers, tankers and more

For the commercial vehicle of your choice, we have a loan to match your need.

Affordable EMIs with attractive interest rates

Easy repayments that fit your budget, without added burden.

Repurchase and Refinance options

Upgrade your vehicle or manage your existing loan with flexible choices.

Balance transfer and top up facilities

Move your loan to Arka for better terms or borrow a little extra when you need it.

Attractive Loan to value for FTU, FTB & Retail customers

Get higher funding based on your profile, whether you are buying your first vehicle or your next.

Why choose APSY?

24-Hour Disbursal

Quick loan processing with funds disbursed within 24 hours* for eligible customers.

Life Flex Loan

A unique feature that helps you save on interest by prepaying part of your EMI whenever you choose.

Tailor-Made Exciting Customer Rewards

Enjoy customized and exciting rewards designed exclusively for customers with timely EMI payments.

Dedicated Relationship Managers

Enjoy personalized support from a dedicated relationship manager for all your loan needs.

Bespoke Policies for Every Market

Our lending policies are tailored to customer profiles and regional needs.

Check Your Loan Eligibility

Estimate your loan eligibility based on your income, expenses, tenure, and vehicle value.

Monthly Income₹25,000

Monthly Expenses₹25,000

Loan Tenure12 Months

Vehicle Value₹50,000

Eligible Loan Amount

₹0

Estimated EMI₹0

Loan-to-Value Ratio0.0%

Monthly Repayment Capacity₹0

Loan Tenure Summary12 Months

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*Eligibility shown is indicative and subject to income verification, vehicle evaluation, and final approval.

Disclaimer

Results generated by the calculator(s) are indicative in nature. The interest rate applied on the loan will depend on the prevailing rates at the time of loan booking. The calculator(s) are not intended to provide its users/ customers with results that are either certified by Apys finvest Limited ("AFL") or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by AFL, under any circumstances. The calculator(s) is only a tool that assists the users/ customers arrive at results of various illustrative scenarios generated from data input by the user/ customer. The use of the calculator is entirely at the risk of the user/ customer, AFL is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator.

Eligibility Criteria

We assess loan eligibility based on:

Vehicles income potential
Operational expense & cash flow
Loan to Value (LTV) ratio

Calculate Your EMI

Plan your repayments with confidence and choose financing that fits your financial goals.

Loan Amount₹25,00,000

₹25,00,000₹5,00,00,000

Interest Rate10.0%

10%20%

Loan Tenure12 Months

12 Months180 Months

Your Monthly EMI

₹2,19,790*

Total Interest Payable₹1,37,477

Total Repayment Amount₹26,37,477

Loan Tenure12 Months (1 Years)

*EMI shown is indicative and may vary based on final loan approval and applicable terms.

Disclaimer

Documentation

Identity and address proof of borrowers
Income proofs
Proof of property ownership
Business proof documentsProof of Identity (for applicants, co-applicants and guarantors)
Proof of Address (for applicants, co-applicants and guarantors)
Bank statements
Asset Documents
Income Proof

Check Your Loan Eligibility

Estimate your loan eligibility based on your income, expenses, tenure, and vehicle value.

Monthly Income₹25,000

Monthly Expenses₹25,000

Loan Tenure12 Months

Vehicle Value₹50,000

Eligible Loan Amount

₹0

Estimated EMI₹0

Loan-to-Value Ratio0.0%

Monthly Repayment Capacity₹0

Loan Tenure Summary12 Months

Apply Now

*Eligibility shown is indicative and subject to income verification, vehicle evaluation, and final approval.

Disclaimer

Eligibility Criteria

We assess loan eligibility based on:

Vehicles income potential
Operational expense & cash flow
Loan to Value (LTV) ratio

Calculate Your EMI

Plan your repayments with confidence and choose financing that fits your financial goals.

Loan Amount₹25,00,000

₹25,00,000₹5,00,00,000

Interest Rate10.0%

10%20%

Loan Tenure12 Months

12 Months180 Months

Your Monthly EMI

₹2,19,790*

Total Interest Payable₹1,37,477

Total Repayment Amount₹26,37,477

Loan Tenure12 Months (1 Years)

*EMI shown is indicative and may vary based on final loan approval and applicable terms.

Disclaimer

Documentation

Identity and address proof of borrowers
Income proofs
Proof of property ownership
Business proof documentsProof of Identity (for applicants, co-applicants and guarantors)
Proof of Address (for applicants, co-applicants and guarantors)
Bank statements
Asset Documents
Income Proof

Testimonials

“The entire loan process was smooth, transparent, and fast. APYS Finvest helped us expand our vehicle fleet without unnecessary delays. Their support team stayed connected throughout the journey.”
Rizwan Ahmad
Fleet Operator & Transport Business Owner
“What stood out for me was the clarity and professionalism. From documentation to disbursal, everything was handled efficiently. APYS Finvest truly understands the needs of growing businesses.”
Aamir Sheikh
Retail & Distribution Entrepreneur
“Financing my tractor became much easier with APYS Finvest. The process was simple, respectful, and supportive. It helped improve both my farming work and rural transport operations.”
Bilal Hussain
Farmer & Agricultural Business Owner
“APYS Finvest provided structured financial support that helped us manage project operations smoothly. Their professional approach and transparent communication gave us confidence at every stage.”
Faheem Mir
Infrastructure & Construction Contractor

“The entire loan process was smooth, transparent, and fast. APYS Finvest helped us expand our vehicle fleet without unnecessary delays. Their support team stayed connected throughout the journey.”
Rizwan Ahmad
Fleet Operator & Transport Business Owner
“What stood out for me was the clarity and professionalism. From documentation to disbursal, everything was handled efficiently. APYS Finvest truly understands the needs of growing businesses.”
Aamir Sheikh
Retail & Distribution Entrepreneur
“Financing my tractor became much easier with APYS Finvest. The process was simple, respectful, and supportive. It helped improve both my farming work and rural transport operations.”
Bilal Hussain
Farmer & Agricultural Business Owner
“APYS Finvest provided structured financial support that helped us manage project operations smoothly. Their professional approach and transparent communication gave us confidence at every stage.”
Faheem Mir
Infrastructure & Construction Contractor

Testimonials

“The entire loan process was smooth, transparent, and fast. APYS Finvest helped us expand our vehicle fleet without unnecessary delays. Their support team stayed connected throughout the journey.”
Rizwan Ahmad
Fleet Operator & Transport Business Owner
“What stood out for me was the clarity and professionalism. From documentation to disbursal, everything was handled efficiently. APYS Finvest truly understands the needs of growing businesses.”
Aamir Sheikh
Retail & Distribution Entrepreneur
“Financing my tractor became much easier with APYS Finvest. The process was simple, respectful, and supportive. It helped improve both my farming work and rural transport operations.”
Bilal Hussain
Farmer & Agricultural Business Owner
“APYS Finvest provided structured financial support that helped us manage project operations smoothly. Their professional approach and transparent communication gave us confidence at every stage.”
Faheem Mir
Infrastructure & Construction Contractor

“The entire loan process was smooth, transparent, and fast. APYS Finvest helped us expand our vehicle fleet without unnecessary delays. Their support team stayed connected throughout the journey.”
Rizwan Ahmad
Fleet Operator & Transport Business Owner
“What stood out for me was the clarity and professionalism. From documentation to disbursal, everything was handled efficiently. APYS Finvest truly understands the needs of growing businesses.”
Aamir Sheikh
Retail & Distribution Entrepreneur
“Financing my tractor became much easier with APYS Finvest. The process was simple, respectful, and supportive. It helped improve both my farming work and rural transport operations.”
Bilal Hussain
Farmer & Agricultural Business Owner
“APYS Finvest provided structured financial support that helped us manage project operations smoothly. Their professional approach and transparent communication gave us confidence at every stage.”
Faheem Mir
Infrastructure & Construction Contractor

FAQs

Frequently Asked Questions

How much Loan to Asset Value is provided?

What loan tenure options are available?

Which vehicles are eligible for financing?

Which Vehicle segments are eligible for financing?

What is the maximum asset age for getting a used vehicle loan?

What happens if I miss an EMI payment?

Do you offer loans for vehicles under the name of company or firm?

Have Questions? We're Here to Help!

Reach out to our support team for any queries or assistance.

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