CRIZELV CORPTwo branches in Kochi. Free doorstep KYC anywhere in Ernakulam, and WhatsApp paperwork for the rest of Kerala.
Used car, two-wheeler and commercial vehicle finance for Kochi and Kerala. CIBIL 600+, self-employed and first-time borrowers welcome.
Priced for Ernakulam borrowers, not for credit-score charts. A slow patch in your past should not decide what you drive this year.
Maruti SwiftIllustrative
Pre-owned hatchbacks, sedans and SUVs, 2 to 10 years old. Funding up to 85% of valuation, fair rates even with a low CIBIL score.
Honda ActivaIllustrative
Fast sanctions for gearless scooters, daily commuters and premium bikes. Popular with students, delivery riders and first-time borrowers in Kochi.
Tata Ace GoldIllustrative
Own your livelihood. Light commercial vehicles, 3-wheelers, taxis and small fleets, assessed on income with no rigid salary-slip gate.
Paying too much on a bank or NBFC vehicle loan? Transfer to Crizelv and shave 2 to 4% off your rate, plus a small top-up if you need working cash.
Most applicants across Ernakulam finish the paperwork over WhatsApp, in English or Malayalam. A local loan officer handles the human parts.
WhatsApp or call. Share your name, the vehicle you have in mind and roughly how much you need. No form to fill.
Aadhaar and PAN photos clicked on your phone. Our bot checks clarity before handing off to a local loan officer.
A short conversation in Malayalam or English about your income and the vehicle. No judgement, no jargon, no CIBIL lectures.
Sanction letter, signatures at our Kaloor or Kadavanthra branch, or free doorstep KYC anywhere in Ernakulam. Then the keys are yours.
Move the three controls. Nothing is submitted and no application fee applies while you are working it out.
Illustration only. Move the rate to match the quote you were given; your final rate and tenure are set by the lender after assessment.
₹14,162
Names and neighbourhoods shared with permission. Kaloor, Edappally, Kadavanthra, Aluva and Fort Kochi.
CIBIL was 618 after an old card default. Two banks in Kochi said no. Crizelv funded a used Swift without the usual drama. Straight talk, no hidden fees, keys in a week.
Two banks refused my scooter loan because my husband does daily-wage painting work. Crizelv asked for Aadhaar and a bank statement, sat with us patiently in Malayalam, and said yes.
Transferred my commercial vehicle loan from an NBFC charging 18.5%. Now at 14.2% with Crizelv, saving a few thousand every month. The refinance paperwork was honestly two signatures.
Self-employed tailor, no salary slip and no fancy bank statement. They looked at my shop photos and order book, understood how my cash actually flows, and approved my Activa loan the same week.
Needed a Tata Ace for my fish-delivery route. Three NBFCs in Ernakulam just ghosted me. Crizelv asked two questions and said yes. Back on the road, earning again.
Yes. Crizelv Corp specialises in used vehicle loans for borrowers the big banks turn away in Kochi, Ernakulam and across Kerala. Our RBI-compliant NBFC lending partners evaluate your full picture, monthly income, vehicle value, down-payment and household cash flow, not just the credit score. We regularly sanction loans for applicants with CIBIL 600+, including self-employed, daily-wage, gig and first-time borrowers.
For most loans: one income proof (salary slips, bank statement, or shop and business records if you are self-employed), any recent utility bill for address confirmation, and the vehicle RC once you finalise the bike, car, auto or commercial vehicle. Malayalam-speaking loan officers walk you through it, so there are no confusing checklists.
Once your KYC and income documents are verified, most straightforward cases in Ernakulam are sanctioned within 24 to 72 working hours. Exact turnaround depends on the product, lender match and the seller's RC paperwork. We give you a realistic timeline up front instead of an empty same-day promise.
No hidden charges. Processing is a one-time 1 to 2% of the loan amount, disclosed in writing. Prepayment after the first 6 months is free on most products, and the full fee structure is printed inside the sanction letter you sign, not buried in fine print.
Our two branches are in Kaloor (JNI Stadium Complex) and Kadavanthra (D.D. Vyapar Bhavan), Kochi. Free doorstep KYC is available throughout Ernakulam district, including Edappally, Aluva, Palarivattom, Tripunithura, Fort Kochi, Vyttila, Kakkanad and Thrikkakara. Neighbouring Kerala districts (Thrissur, Alappuzha, Kottayam, Idukki) are served over WhatsApp plus courier KYC. Tamil Nadu borrowers on the Coimbatore to Palakkad and Tirunelveli to Thiruvananthapuram corridors are welcome too. We have funded vehicles registered in both states.
Send a short WhatsApp from anywhere in Ernakulam, Kerala or Tamil Nadu. If we can finance it, we take it from there. If we cannot, we tell you straight instead of letting you lose a week.
Plates above are illustrative images of common Kerala vehicles, not photographs of vehicles for sale. Your quote is always made against the specific car, scooter or truck you bring us.
