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A Top-Up car loan is given at the discretion of the lender. Generally, the bank checks to see if the borrower has been making regular payments and hasn’t missed a single one in the last 12 months. If you haven’t missed a single payment in one year, you can easily qualify for a top-up loan. If you have a good track record, you may be eligible for a pre-approved top-up car loan. Check with us for the same.