Home Consumer Durable Loan

Consumer Durable Loan

  • Loan amount from Rs 8,000 to Rs 5 Lakhs
  • Instant online approval in 2 minutes
  • Maximum tenures of upto 24 months
  • Get approval online, walk in to the store and walk out with the product
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Buy whatever makes you happy

The small luxuries of life bring us great happiness - like a new LCD TV for the family, a laptop for your child, or even an air conditioner for your living room. You can now enjoy these small luxuries with Capital First's Consumer Durable Loans. Making your family happy has never been this easy!

We have simple online application

  • Get online approval

    It takes a few minutes to fill our online application form. You can get to know your eligibility instantly.

  • Walk into your nearest dealership

    Capital First works with most top dealers in your city.

  • Submit your documents

    Our representative at the dealership will collect your documents.

  • Walk out with the product

    You can leave the store with your favourite product right after.

To get approval, you will need
  • Name & Date of Birth
  • Identity Proof
  • Residence Address
  • Office Address
  • Bank Account

Know your eligibility

 

Who is Eligible?

  • Salaried and Self Employed Professionals between 23 and 65 years of age
  • At least one year of total work / business experience
 

Products Covered

  • Air Conditioner
  • Air fryer
  • Air Purifier
  • Atta Maker
  • Audio System
  • Chimney
  • Cooler
  • Dishwasher
  • Furniture
  • Generator
  • Home Theatre
  • Invertor
  • Kitchen Appliances
  • Microwave
  • Panel - LED/LCD/PDP
  • Refrigerator
  • Vacuum Cleaner
  • Washing Machine
  • Water Heater
  • Water Purifier
  • Camcorder
  • Desktop
  • Digital Camera
  • Handycam
  • Laptop
  • Projector
  • Smartphone
  • Tablet

You are in good company

Our customers just love us..

Recently bought a brand new smartphone with zero cost EMI from Capital First. Super happy with the ease and smoothness of the experience

Deval Mishra
Lucknow

Buying a refrigerator was going to be difficult without the loan from Capital First. I am very happy and will surely recommend Capital First

Neha Parekh
Delhi

Bought a TV and then a washing machine with loans from Capital First. Will always take this option while buying products.

Arnab Saha
Bangalore

Questions? We are happy to help you

ECS Swapping

How do I swap my existing mode of loan repayment?

You need to submit the below mentioned documents at CFL branch only in order to ensure smooth processing of your EMIs.
- 3 New ECS Mandate Forms -filled, signed and authorized by your new Bank
- Half yearly bank account statement of the new account
- Swap charges of Rs 500 (to be paid either in cash or by cheque)
- A Cheque of the Current EMI
- 1 Blank Cheque (CD: 1 SPDC if the disbursal Amount is more than 1 Lakh)

Important Notes:
  • All the cheques should have the payee name as "Capital First Limited" (For CFL loans)
  • All Security cheques should be CTS 2010 complaint only.
  • Date field should be left blank for all security cheques.
  • All Security cheques should bear your signature,
  • There should not be any overwriting or alteration on the cheques.
  • No counter signature is allowed on the cheque.
  • The swap would be effective in the next month's EMI on receipt of the new repayment documents on or before 10th of current month else it would be effective from subsequent month's EMI.

Foreclosure

How do I foreclose my loan?

CD Loan can be closed through our customer portal or by writing to customer.care@capfirst.com,
For other loans please call us at 1860 500 9900 or write to us at customer.care@capfirst.com to place a request for Foreclosure letter.

How can I make my foreclosure payment?

You can visit your nearest
  • Capital First Branch and make payment through cash (Upper Limit Rs 50,000) /cheque mode and get the e-receipt for the payment made through email /SMS
  • Alternatively you can also use Online RTGS / NEFT mode of payment
Bank details are as below:
A/c No.: 0616896-00-5
A/c Type: Current Account
IFSC Code: DEUT0784BBY
Address:
Deutsche Bank,
Stock Exchange Branch,
Mumbai - 400 023
Beneficiary Name: CAPITAL FIRST LTD RETAIL COLL AC

Kindly share the UTR code/Transaction Reference Number by writing at customer.care@capfirst.com or by calling us at our help line number 1860 500 9900 in order to track the payment.
Please note: The payment credit should be received within the validity of the foreclosure letter issued by Capital first. Are there any foreclosure charges applicable? Foreclosure charges are applicable for all loans except consumer durable loan. We do not levy foreclosure charges for consumer durable loans.

Payment Related

How can I make my overdue payment?

  • You may login to our Customer Portal>>Active Loans>> Click More details icon > Click on Missed an EMI/Please make payment here.
    Alternatively you may visit www.capitalfirst.com, Click on Home Page>>>Quick Pay Tab
  • You may also visit any Axis Bank branch in your location to make an overdue payment. Please produce your loan account number while making the payment.
    You can make a NEFT payment using Online mode of payment
Bank details are as mentioned below:
A/c No.: 0616896-00-5
A/c Type: Current Account
IFSC Code: DEUT0784BBY
Address:
Deutsche Bank,
Stock Exchange Branch,
Mumbai - 400 023
Beneficiary Name: CAPITAL FIRST LTD RETAIL COLL AC


Kindly share the UTR code/Transaction Reference Number by writing at customer.care@capfirst.com or by calling us at our help line number 1860 500 9900 in order to track the payment.

Change in Demographic Details

How do I update my Email ID?

You can update your Email ID by logging into our Customer Portal and selecting the "My Profile" section or writing to us at customer.care@capitalfirst.com

How do I update my Mobile no/Landline?

You can update your Mobile no/Landline by logging into our Customer Portal and selecting the "My Profile" section or by writing to us at customer.care@capitalfirst.com

How do I update my Address?

You can update your address by placing a request from "Customer Service" section of our customer portal. Alternatively, you can also place a request to Capital First by writing to us on customer.care@capfirst.com along with you valid address proof which needs to be updated.

Loan Details

When is my next EMI due? How can I view my EMI Status?

EMI due date is 5th of every month. You may refer this in the Statement of Account.
You can view your EMI Status on Customer Portal. Log in to the Customer Portal and selecting the loan from list of active loans and then click "View Details" button.

How do I change my EMI due date?

We currently do not have an option of changing the EMI due date. This is keeping in mind the uniformity of payment due dates for all our customers.

How can I get my Statement of Account?

Customer can view and also download your Statement of Account on our Customer Portal. Log in to the Customer Portal, select your loan from list of active loan and click on download account statement. You can also view your account statement by downloading our latest mobile app available in play store.

How do I get my Welcome Letter?

Customer can view and also download your Welcome Letter on Customer Portal. Log in to the Customer Portal, select your loan from list of active loans, click on view details and select the statements tab. You can also download your welcome letter from our latest mobile app available in play store.

How do I get my Repayment/Amortization Schedule?

Customer can view and also download Amortization/Repayment Schedule on Customer Portal. Log in to the Customer Portal, select your loan from list of active loans, click on view details and select the statements tab. You can also download your amortization/repayment schedule using our latest mobile app available in play store.

How do I get my Insurance Certificate?

If the insurance is issued, you can place a request to Capital First by writing to us on customer.care@capfirst.com to obtain the insurance certificate.
Alternatively you can log a request through Customer Portal through "customer service" section of the portal.

How do I get my NOC for Consumer Durable?

We send a proactive NOC link to the customers on closure of loan in the system through SMS. Customers can print the same on their own. Customers can view and also download No Due Certificate on Customer Portal.
Log in to the Customer Portal, select from list of closed loans and click on Download No Objection Certificate

Is there any CIBIL impact if I foreclose my loan?

No, foreclosure of your loan will have no impact on your CIBIL score. Once the loan is foreclosed the same will be reported to CIBIL as 'Closed' along with '0 outstanding'.

How do I get my Durable purchase original invoice copy?

We would like to inform you that the original invoice copies and loan documents are maintained with us for our records. You may contact the dealer should you wish to retrieve a copy of the same.

Other Queries

How can I contact Capital First?

You may access your loan related details on our customer portal on our website - http://www.capitalfirst.com – or call us on our helpline number 1860 500 9900 or write to us on customer.care@capfirst.com

How can I raise a query through the Customer Portal?

To log a request through Customer Portal log in, select "Customer Service" menu option after logging in.

How do I apply for a new loan?

You may login to www.capitalfirst.com for new loan application, you may even contact the customer care - 1860 500 9900, walk in branch or email us at customer.care@capfirst.com
Write to us at customer.care@capfirst.com and we will revert to you within 48 hours.

How do I update my CIBIL?

Please note that post closure of your loan, your CIBIL Report will be updated by us by the 20th of the next month. In case of any discrepancy please write to us at customer.care@capfirst.com.