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Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

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Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required
  • Home
  • Consumer Durable Loan

What is a Consumer Durable Loan?

A consumer durable loan is a special category of loan given to borrowers to purchase electronic gadgets and household appliances on EMI. With Tata Capital, you can avail of consumer durable finance of up to Rs. 5 lakhs and buy electronics online or offline at your convenience. Additionally, you can apply for our consumer durable loan online and get the requisite amount in your bank account in three simple steps. 

So, if you have been waiting for a long time to save money and procure the products you desire, your wait is about to get over. Just apply for a Tata Capital consumer durable loan from your home and buy your favorite electronics without paying anything out of your pocket up-front. We require minimal documentation and provide instant approvals for consumer durable finance. What’s more? You can repay the amount over a convenient tenure ranging between 6 months and 24 months.

  • Loan Amount

    ₹ 10,000 to ₹ 5 lakhs

  • Loan Tenure

    6 months to 24 months

  • Interest rate starting from

    0% per annum

  • Processing fees

    0% onwards

Advantages Of Consumer Durable Loans

No Cost EMI

We offer a unique no cost EMI feature on our consumer durable loans. Under this feature, you can get financing to buy electronics online with a 0% interest rate. It means that you will have to repay only the cost of the products you purchase as EMIs without any additional interest charges.

Instant Approval

We provide instant approval for consumer durable loan applications. You can check your eligibility on our website and apply for a consumer durable loan online in three simple steps. 

Minimal Documentation

You are required to provide only your primary KYC details and supportive documents, including photo ID proof, address proof, and income proof.

No Foreclosure Charges

At Tata Capital, we ensure your convenience before anything else. If you want, you can foreclose your consumer durable loan account before the end of the agreed tenure without incurring any foreclosure charges. You can foreclose your loan account anytime after paying your first EMI.

Pre-approved EMI Card

We value our existing customers and hence, give them preferred treatment. Being an existing customer of Tata Capital, you can apply for a pre-approved QIK EMI Card from us and use it to shop for your favorite products on EMI without any hassles.

3 Ways to Upgrade Your Lifestyle with a Consumer Durable Loan

You can live the lifestyle of your dreams by applying for a consumer durable loan online. When you avail of the consume durable finance from us, you become eligible for several exclusive offers for buying a range of products. Below are the three ways to upgrade your lifestyle through a Tata Capital durable loan:

Upgrade Your Electronic Gadgets

Electronic gadgets such as smartphones, laptops, tablets, smartwatches, and audio devices make our lives luxurious and comfortable. Sometimes, they even help us in our career aspirations. However, with continuous advancements in technology, they need to be upgraded frequently. A Tata Capital consumer durable loan can help you buy electronics online and pay for them in convenient EMIs.

Upgrade Your Home Appliances

Home appliances such as refrigerators, air conditioners, washing machines, and televisions have become an indispensable part of our everyday lives. They not only make your daily tasks easier but also enhance the aesthetics of your house. With an instant consumer durable loan from Tata Capital, you can upgrade your existing home appliances with zero inconveniences.

Upgrade Your Lifestyle

You can also use a Tata consumer durable loan to make your lifestyle more exciting and desirable. Whether you want to go on an exotic trip with your loved ones or buy luxury merchandise for yourself, you can fulfill all such dreams of yours by availing of a consumer durable loan from us at a 0% interest rate. 

About Consumer Durable Loans

With Tata Capital’s consumer durable loan, the lifestyle that you have always dreamt of is now within your reach. Keeping our customers’ desires and their precise needs at the forefront, we provide more than 100 lifestyle products through our consumer durable finance. From a giant LED TV to a deep-bass home theatre system to a fully-automatic washing machine, we allow you to buy electronics online from the convenience of your home.

On top of everything, we provide instant consumer durable loans with some industry-exclusive offers, such as 0% interest rate, zero foreclosure charges, and a high loan amount of up to Rs. 5 lakhs. Moreover, our flexible EMI options ensure that you can repay your loan at your own convenience. So, apply for a consumer durable loan online and get the power in your hands immediately!

What are the basic Requirements to get a Consumer Durable Loan?

At Tata Capital, we have built a very simple process for providing consumer durable loans to our customers. For swift disbursal of your funds, you are required to meet the following eligibility criteria:

  • Your age must be between 21 years and 60 years (if you’re a salaried individual) or 65 years (if you’re a self-employed individual)

  • You should have a work experience of at least two years in your current profession

  • You must be carrying your KYC documents, including your Aadhaar Card and PAN Card

  • You can get a maximum loan of Rs. 5 lakhs for a tenure of up to 24 months

Please note that your final eligibility for a Tata consumer durable loan is at the sole discretion of Tata Capital Financial Services Limited. Please contact our customer care helpline for more details.

What is a Consumer Durable Loan EMI Calculator?

A consumer durable loan EMI calculator is a simple online tool that can help you understand the EMI that you would have to pay every month for a particular loan amount over a specific loan tenure. You can use an EMI calculator to choose an appropriate loan tenure so that you can conveniently pay off your loan amount. 

You can also avail a CDL for below products

Air conditioner on EMI

With Tata Capital’s consumer durable loan, you can get your AC on EMI without any hassles.

You can make your AC EMI price even more affordable by getting pre-approved offers from us.

CDL Air conditioner on EMI CDL Air conditioner on EMI

Refrigerator on EMI

With Tata Capital, you can get any kind of fridge, such as a single or double door fridge on EMI. You also get to enjoy pre-approved offers from us.

CDL Refrigerator on EMI CDL Refrigerator on EMI

Washing machine on EMI

You can apply for a QIK EMI Card and purchase your favorite washing machine on EMI without any hassles. Moreover, you can also get pre-approved offers and reduce your washing machine EMI price significantly.

CDL Washing machine on EMI CDL Washing machine on EMI

Mobile on EMI

You can buy your mobile on EMI through Tata Capital’s consumer durable loans. Our mobile loans come with a range of attractive features and benefits, such as a high loan limit, zero processing fees, instant approval, and flexible repayment options.

CDL Mobile on EMI CDL Mobile on EMI

Camera on EMI

Buy your favorite camera on EMI and simply pay for it using our QIK EMI Card and convert the price of your DSLR camera into EMI.

Furthermore, you can choose a convenient tenure for the repayment of your DSLR EMI.

CDL Camera on EMI CDL Camera on EMI

Laptop on EMI

We provide an easy loan on laptops for salaried as well as self-employed individuals. We also offer it for students with simple eligibility criteria and minimal paperwork.

You can simply apply for our QIK EMI Card and purchase your favorite laptops without any hassles.

CDL Laptop on EMI CDL Laptop on EMI

Electronics on EMI

By availing of a Tata Capital Electronics Loan, you can purchase all your favorite electronic devices or gadgets on EMI.

We provide pre-approved offers to make your buying experience smoother.

CDL Electronics on EMI CDL Electronics on EMI

Home appliances on EMI

If you’re looking to upgrade your existing home appliances with newer ones that employ innovative and cutting-edge technology, you can apply for a home appliance loan with us and get all the appliances on easy EMI.

CDL Home appliances on EMI CDL Home appliances on EMI

Television on EMI

With Tata Capital’s consumer durable loan, you can now buy TV on EMI.

We offer pre-approved loan offers that help you protect your savings and buy the things you like in a simplified and hassle-free manner. 

CDL Television on EMI CDL Television on EMI

6 Reasons to Choose Us

  • A Name You Can Trust

    Tata Capital Financial Services Limited is one of the most reputed NBFCs in India that you can trust for all your financing requirements. We offer a range of loans for our customers, including home loans, business loans, personal loans, and consumer durable loans.

  • 0% Interest Rates

    Our consumer durable loan interest rates start from 0% per annum. This ensures that you will have to pay only for what you purchase without any additional interest charges. Furthermore, we don’t levy any foreclosure charges on our consumer durable loans.

  • High Flexibility

    At Tata Capital, we let you tailor everything to your convenience and repayment capability. You have the flexibility to choose your loan amount, loan tenure, and EMI plan for easy repayment of your consumer durable loan.

  • Minimal Documents

    We will never make you run around to get a loan for your requirements. You can apply for consumer durable loan online and upload the required documents to our website. We require minimal documents and some basic details to process loan applications.

  • Customized Loans

    Our loans are highly customizable to suit your precise requirements. You can choose an amount between Rs. 10,000 to Rs. 5 lakhs and repay it within 24 months. Our personalized approach has left countless of our customers happy and satisfied.

  • We’ve Been Here for a Long Time

    We have spent a considerable time in the industry. That is why we understand your requirements and try to provide the best possible solutions to them. We have a range of innovative products to address all the financial needs of our customers.