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Risewise Capital > Pre-Owned EV Loans

Pre-Owned EV Loans

Fast, Fully Digital Pre-Owned EV Loans

Go Electric for Less—Certified, Affordable, Ready to Ride

Spend less, drive green. With RiseWise Capital’s pre-owned programs, you can finance used electric scooters India, a used electric rickshaw, or a used electric bike from trusted partners each inspected, serviced, and certified to run like new.

Finance up to 100% in select cases, pick weekly or monthly EMIs to match income cycles, and finalize everything via a secure, paperless flow. If life throws a curveball, our “Life Happens” support can help restructure—so mobility, work, and earnings stay on track. It’s the practical path to electric ownership, without the new-vehicle price tag.

  • Refurbished with care → Dealer-certified, serviced vehicles that run like new
  • Up to 100% financing → Minimal down payment (zero in select cases) to preserve your cash
  • Lowest EMI burden → Rates from 7.99% flat to keep monthly costs predictable
  • Easy digital payments → Auto-debit via eMandate; manage EMIs in the RiseWise App
  • Paperless & fast → 100% digital application and approval in minutes
  • “Life Happens” support → If illness or income loss hits, we help restructure instead of harassing
  • Pan-India access → Finance and assistance across metros, towns, and rural locations

We’ve unlocked electric 2-wheeler financing for a broad range of riders:
  • Age 18–65 years
  • Minimum monthly income: ₹30,000*
  • Valid Aadhaar & registered mobile number
  • Active bank account
  • Vehicle sourced from a RiseWise partner dealer

* Product-specific policies may apply.

Gather these essentials to fast-track your electric vehicle finance application:
  • Identity & Address: Aadhaar Card & PAN Card
  • Income Proof: Last 3 months’ salary slips or bank statements
  • Photos: Two passport-sized photographs
  • Residency: Utility bill or rental agreement (if different from Aadhaar)
  • EMI Security: Six post-dated cheques or e-mandate setup

* Additional documents may be requested based on your profile and chosen scheme.

Plan your budget with confidence, here’s what you can expect:
  • Loan Amount: Loan amount: ₹50,000 – ₹5,00,000
  • Down payment: Minimum, based on product & profile (zero down in select cases)
  • Tenure Options: 6, 12, 18 or 24 months
  • EMI Flexibility: Daily, weekly, or monthly payments
  • Interest Rates: Starting from 9.99% flat*

* Rates vary by profile and selected financing scheme.

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RiseWise Capital FAQs

  • Apply online or at a partner dealer. Complete eKYC (Aadhaar/PAN), upload bank statements, choose amount & tenure, e-sign the agreement, set up e-mandate, and we disburse to you or the dealer.

  • Rates are profile-based (credit history, income stability, loan amount/tenure, vehicle type). Your personalized rate is shown before you e-sign.

  • You can make payments via e-mandate or auto-debit from your bank account. You can view schedules and download statements in the app/portal.