New Car Loan
Drive home your dream car with low EMIs, instant approval, and competitive rates from Punjab's leading banks.
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Trusted in Amritsar since 1998
Premier Loan Services in Amritsar — funding Punjab's dreams since 1998.
National Credit is Punjab's dependable financial partner — a full-service loan services provider for car, home, business, and property financing. Serving Amritsar, Tarn Taran, Batala, Gurdaspur, Pathankot and every neighbourhood that believes in building a better tomorrow.
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Years of Trust
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Loans Funded
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Cities Served
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Client Rating
About National Credit
A legacy of trust, built one family at a time.
For over two decades, National Credit has been the financial heartbeat of Punjab — helping families buy their first home, entrepreneurs launch their dream business, and individuals drive home the car they've always wanted. Our loan services have quietly funded thousands of milestones across the state.
We don't just offer loans. We offer a handshake, a promise, and a partnership that stretches from Amritsar's bustling lanes to every small town across the state.
Our Mission
To make quality credit accessible, transparent, and genuinely helpful for every Punjabi family.
Our Vision
To be Punjab's most loved financial partner — known for speed, integrity, and human-first service.
1998
Founded in Amritsar
Opened our first office on 100 Feet Road with a simple promise.
2008
Expanded across Punjab
Partnered with leading banks to serve 16+ cities.
2024
18,000+ Loans Funded
A trusted name in car, home, and business financing.
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Years of
Excellence
Excellence
Our Loan Solutions
Complete Loan Services in Amritsar — crafted for every life stage.
From your first car to your dream home — National Credit delivers comprehensive loan services designed around your ambitions, with transparent rates and approvals you can count on.
Used Car Loan
Pre-owned doesn't mean pre-complicated. Flexible financing for quality second-hand vehicles with minimal paperwork.
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Housing Loan
Make the keys yours. Long-tenure, low-interest home loans with a simple, human application process.
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Loan Against Property
Unlock the value in your property. High-ticket LAP funding for business expansion, weddings, or emergencies.
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Special BT Loan
Business-term financing tailored for Punjab's SMEs, traders, and growing enterprises — with flexible repayment structures.
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Refinance Loan
Lower your EMIs or free up capital. We refinance existing loans with better rates from trusted banking partners.
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Top-Up Loan
Already a borrower? Get additional funding on your existing loan — with minimal paperwork and faster disbursal.
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Auto Loan
Two-wheelers, trucks, commercial vehicles — every wheel deserves financing. Quick approvals across Punjab.
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All Types of Loan Services — One Trusted Desk
Personal, gold, education, medical — if it's a loan you need, we have a solution that fits. Ask us anything.
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Why National Credit
Twenty-seven years. One promise: your trust.
We've earned our reputation through thousands of handshakes, not billboards. Here's what sets our loan services apart from every other lender in Punjab.
24–48 Hour Approvals
Our dedicated team processes applications in record time — because your plans shouldn't wait on paperwork.
100% Transparent Rates
No hidden fees, no surprise clauses. Every rupee, every rate, every term explained in plain language.
Personal Advisory
Every client gets a named advisor who understands your situation — not a call centre, not a bot, a person.
Punjab-Wide Network
From Amritsar to Pathankot, Batala to Beas — we're physically close, digitally ready, always available.
Flexible EMIs
Custom repayment plans aligned with your cashflow — monthly, quarterly, or balloon structures available.
Minimal Documentation
We've stripped away the red tape. Just the essentials — because your time is more valuable than any form.
Success Stories
Dreams we've helped fund, lives we've helped build.
Every image here is a real moment — a family, a business, a milestone made possible through the right financial partner at the right time.
Client Voices
What Punjab trusts us with.
Real stories from real families and entrepreneurs across the state.
Questions, Answered
Everything you want to know.
Can't find what you're looking for about our loan services? Call our advisory desk directly — real humans, real answers.
What types of loans does National Credit offer in Amritsar?
We offer a full spectrum of loans — new and used car loans, special BT loans, refinancing, top-up loans, housing loans, loan against property, loan against used car, auto loans, and many specialised financial products. If a loan exists, we probably have a solution for it.
How quickly can I get my loan approved?
Most applications at National Credit are processed within 24–48 hours. Our streamlined documentation process and direct bank partnerships mean we cut the typical waiting time by more than half.
Which cities and towns do you serve?
Our primary base is Amritsar, with strong service coverage across Tarn Taran, Batala, Gurdaspur, Pathankot, Dina Nagar, Patti, Ajnala, Majitha, Jandiala, Rayya, Beas, Fatehgarh Churian, Ramdass, Bhikhiwind, and Chabhal — essentially all of Punjab.
What documents are required for a loan?
Standard documents include government-issued ID proof, address proof, recent income proof (salary slips or ITR), and six months of bank statements. Our advisors will provide an exact checklist based on your chosen loan type.
Do you work with clients who have low CIBIL scores?
Yes. We work with multiple banking partners and specialised lenders who consider applications across the CIBIL spectrum. We'll honestly assess your profile and suggest the most realistic path forward.
Is there any hidden fee or processing charge?
Absolutely not. We follow a 100% transparent pricing policy. Any processing fee applicable is clearly disclosed upfront, in writing, before you sign anything.
Can I apply for a loan online?
Yes — you can submit your enquiry through the form on this page, WhatsApp us, or call directly. Our team will respond within a few working hours to guide you through the next steps.
How long has National Credit been in business?
National Credit was established in 1998 and has been serving the Punjab region continuously for over 27 years — one of the oldest and most trusted loan service providers in the area.
Localities We Serve
Loan Services Across Punjab — Close to Home.
From the Golden City of Amritsar to every neighbouring town, our loan services reach families and businesses across the region. Walk in, call, or apply online — we cover it all.
Amritsar Head Office
Tarn Taran
Batala
Gurdaspur
Pathankot
Dina Nagar
Patti
Ajnala
Majitha
Jandiala
Rayya
Beas
Fatehgarh Churian
Ramdass
Bhikhiwind
Chabhal
Don't see your town? We service all of Punjab and neighbouring states. Call 98140 50214 and our team will confirm availability in your pincode within minutes.
Get in Touch
Let's talk about your next chapter.
Walk in, call, or drop a message — whichever feels right. Our loan services desk responds within a few working hours, always.
Visit Our Office
Punjab's Trusted Loan Partner · Est. 1998
Office Address
273-J Ground Floor, SLS Tower, 100 Feet Road, Opp Jaycee Motors, Amritsar, Punjab – 143001
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Email
Working Hours
Monday – Saturday · 9:30 AM to 7:00 PM
Sunday by appointment
Sunday by appointment