When planning to invest in a commercial vehicle, understanding the overall borrowing cost is essential. Factors such as credit history, loan tenure, and vehicle type influence the commercial vehicle loan interest rate in India. In the middle of the loan tenure, small changes in interest can greatly impact EMIs. Comparing offers from banks and NBFCs helps secure the best rate. Businesses should analyze whether they are getting fixed or floating rates, and negotiate with lenders for better terms. A lower interest rate helps manage cash flow efficiently and reduce total loan burden. Always check the latest interest trends before applying.