Pay 20–25% down to keep EMI comfortable and reduce total interest by 15–20%
SBI and Bank of Baroda typically offer the lowest rates in Lucknow region
Get pre-approved before visiting the dealer — stronger negotiating power
CIBIL 750+ gets best rates — check yours free before applying
Ask for "subvented rates" — Maruti, Kia, Hyundai offer 6.9–7.9% through their own finance
7-year tenure halves EMI but nearly doubles interest — 5 years is the sweet spot
