The Hyundai Creta continues to dominate the scenario in India’s compact SUV segment, proving to be a style, performance, and feature-packed ride. Pricing, financing options, or costs involved in acquiring this model is very crucial for potential buyers.
Price Summary
as of April 2025, the Hyundai Creta has introduced various options with an approximate starting price of ₹11.0 lakh and the peak price ranges around ₹20.1 lakh (ex-showroom, pan India).
The exact on-road price of the car varies with the variant chosen and also depends on other charges such as registration, insurance, and optional accessories.
Financing Options: Down Payment and EMI
Financing a car like the Hyundai Creta typically entails down payment and Equated Monthly Installments (EMIs) thereafter. The down payment is usually a small percentage of the car’s on-road price, with the remaining financed through a loan.
Assume the customer would be taking one variant of the price ₹13.16 lakh in Mumbai. Assuming a down payment of ₹2.05 lakh, the holder will then be given a loan of ₹11.11 lakh. With an annual interest rate of 8% over the loan tenure of 60 months, his EMI would work out to about ₹22,525 per month.
However, these figures are illustrative. Actual down payments and EMIs can differ due to certain factors related to the lender, such as terms of lending, buyer credit profile, and also the prevailing interest rates.
Interest Rates and Loan Tenure
Car loans in India have interest rates hovering between 8.75% p.a. to 11.50% per annum. The loan tenure chosen ranges from 3 to 7 years and also plays a role in determining the EMI amount-the longer the maximum tenure, lower is the EMI but higher is the interest amount paid overall at the end.
Conclusion
So, while buying a Hyundai Creta, a person has to keep a close eye on the variant and financing options they would prefer and the added costs tied to each. A prospective buyer perhaps can stop at the point of determining their financial standing, sort through their loan offerings from various financial institutions, and settle for a plan that best fits with what they have in mind. Consulting with the authorized Hyundai dealers and financial advisers would have all that they ever want as personalized insights to make their buying experience easier.