No, you do not have to pay a subscription fee or make an account with Tata Capital to get a used car loan from Tata Capital.Instead, following these steps, you can apply for a used auto loan covering up to 95% of your car.Step 1: Fill out the second-hand car loan application form. You can fill out and submit the form online or offline at your convenience.Step 2: Submit or upload the necessary documents.Step 3: Wait for us to verify the form and the documents.Step 4: After completing our verification, the loan amount will get disbursed within 24-36 hours from the document submission day.Note: You'll only be charged a processing fee of about 1.75% of your second-hand car loan amount during the application process.