Owning a car has always been a dream for an average citizen of India. However as the standard of living is increasing so the number of people buying cars and two wheelers is increasing day by day. This is mainly due to the lenders who are now extending the help of loans to the people interested in buying the car and two wheeler of their choice. You can get credit for car without any problem as the procedure is quite simple and free from any kind of legal hassles. You just have to make sure that your past credit record is clean enough to get you the loan. Any person over the age of 21, can apply for these credit for car scheme or two wheeler loans. After that you have to fill up the application form, specifying what kind of loan you want whether secured or unsecured. You should also have the necessary documents such as Driving licence, age proof, identity proof like VoterID card, address proof and many others. But please keep that in mind that the demand of the necessary documents may not be same for every lending organisation. They may vary from one to another. The same criteria goes for the two wheelers too. Also keep ample passport sized photographs along with you as they always come handy. After your loan plea is accepted by the lending authority, you will get the loan amount in a very short time. Some lending authorities even offer to finance 95 percent of ex-showroom cost of car. However the amount also depends upon the model too. As far as the used car is concerned some authorities even offer a maximum of 90 percent; while in two wheeler loan category, other things remaining more or less similar, only the loan amount varies. Since the competition is very tough, therefore lenders these days are offering flexible repayment options to the borrowers and make sure that they don't feel the burden of paying the loan, by revising the terms and conditions from time to time for the benefit of borrowers. You can opt for any mode of financing your dream car or two wheeler. You can either take the help of banks in this matter or the private lenders or finance companies. But before that be perfectly sure of what kind of deal they are offering, in order to prevent yourself from the future consequences. There are many websites that offer consultation regarding the fact of what to look for in a vehicle loan deal. Also be clear about what model you want to purchase and what is its market price. Be not afraid to backtrack if you think that the particular deal is not fit for you. Feel free to move to other lenders too.