The car-buying
company India
actually wanted.
Carfin started in 2024 with a stubborn premise: that buying a car in India shouldn't require speaking to nineteen people. We matched, financed and delivered our first thousand cars in fourteen months. We're just getting started.
Buying a car is the most expensive joyless thing most Indians do.
We've spent two years asking buyers what went wrong. The same five complaints come back every time. We built around them.
You shouldn't need a Saturday for every dealership. Carfin holds quotes from authorised dealers in your city — one application, multiple invoices.
Carfin runs your file through every panel partner. You see the rate. The dealer doesn't get a commission for steering you somewhere worse.
A single dedicated advisor per buyer — same person across model selection, finance, paperwork and delivery. Their WhatsApp number is in your dashboard.
We publish the lowest rate, the largest discount, and what's an additional cost (insurance, accessories, handling). Apples-to-apples or it doesn't ship.
Soft pulls only until you accept an offer. Your CIBIL doesn't bleed because you shopped around.
Two people who got tired of explaining why their friends were getting scammed.
Sahana spent six years building digital lending at PayU and watched a dozen friends overpay for cars at the same time. Started Carfin so her parents wouldn't have to take a third opinion.
Karan led merchant onboarding rails at Razorpay. He thinks of Carfin as the same compliance + identity problem in reverse: 14 banks underwriting one customer.
What's happened so far.
- Mar 2024Carfin incorporates
Mumbai — Sahana and Karan rent a single desk in BKC.
- Sep 2024First loan disbursed
₹8.4L for a Maruti Baleno in Pune via Axis Bank.
- Feb 2025Seed round · ₹38Cr
Led by Peak XV, with participation from Stride and a slate of fintech operators.
- Aug 20251,000 cars · 5 cities
Mumbai, Bengaluru, Pune, Hyderabad, Chennai live.
- Jan 202614-bank panel completes
Shriram Finance is the last to integrate, taking sub-700 CIBIL coverage live.
- May 202610,000 cars · 12 cities
India's third-largest digitally-originated auto finance channel.