[csentil]

There is a thread on car loans and interest rates and all things associated with it somewhere. Just do a search.

For starters go to Nationalized banks. Interest rates are cheaper, no hidden charges, partial and full prepayment generally don't attract any penalty. Only drawback is it takes a week to 10 days for loan to get processed. But you will save a lot on interest and other hidden charges. Documentation is also stricter.