Drive it today. Pay it off month by month.
Santim finances a bajaj, a motorbike or a car for members with a savings record. The vehicle earns while you repay.
From application to keys in four steps
Be an active member
Save regularly for the period set in the bylaws. Your savings and shares set how much Santim can finance.
Choose the vehicle and bring a quote
A bajaj, motorbike or car from a dealer. The loan committee checks the price, your income plan and your guarantors.
Pay your share, Santim pays the rest
You bring the agreed down payment; Santim pays the dealer directly. The vehicle is registered with Santim's interest until the loan is paid.
Repay monthly, get reminders
Equal monthly payments on the declining balance. The app reminds you three days before each payment.
Requirements
- Membership with regular savings
- Down payment — the share agreed with the loan committee
- Guarantors who are Santim members
- Driving licence for the vehicle type, or a named driver
- Dealer quotation and vehicle documents
- Insurance for the full repayment period
Amounts, periods and rates are set by Santim's loan policy and confirmed at the office.
See a monthly payment
Use the loan calculator with the vehicle price minus your down payment to see what you would pay each month.
Your first santim is the hardest one. Start today.
Visit the office in Dilla with your ID and two photos. Registration takes one visit.