Year-end car loan chaos: 7.6% and PSU vs NBFC showdown

Yo, it's the year-end car loan showdown! Starting at 7.6%, but don't sleep on those sneaky processing fees, fam. PSU banks are the chill option with fee waivers if your credit's looking fresh. Private banks and NBFCs? Major wallet drain, fees hitting harder than your ex's texts. Do the math, snag those limited-time deals, and negotiate like your life depends on it. Rates are kinda chill though.