Pre-Owned Car Loan

How Car Age Affects Used Car Loan Terms?

author-image
Pallavi Lakra
23 Sep 2025 |4 Minutes
Table of Content

Cars are depreciating assets and decrease in value with time. A used car has a lower resale value, which means that if a borrower defaults, the lender will have to face heavy losses when trying to recover the loan.

Relatively newer pre-owned cars are generally easier to finance with favourable loan-to-value ratios, while older vehicles may have slightly different terms to match their depreciation and condition.

Read Also: 7 Factors to Consider Before Applying for a Used Car Loan

What is Depreciation, and How Does it Affect the Car's Value?

car-age

One of the biggest reasons why car age is so important is depreciation. All cars start to depreciate the moment they leave the showroom. Depreciation is the gradual decrease in the car's value because of wear and tear, use, and lower market demand. Depreciation occurs the most in the first two years.

Lenders consider depreciation because it affects the car’s resale value. An older vehicle that has already lost a significant amount of its value is riskier. ​​Because of this, a vehicle that is 2 years old might still be qualified for a larger loan amount and better terms, whereas a car that is 12 years old would not qualify at all or only partially.

Read Also: What is Depreciation and Factors That Affect It in Case of a Used Car

Other Factors That Lenders Consider

Age is not the only factor considered by lenders while checking eligibility for a used car loan. Most lenders review the bigger picture before they offer you a Pre-owned Car Loan. Here are some other factors that lenders will consider:

  • Credit Score: Having a clean credit record indicates that you're a responsible customer. Even with an older car, having a good credit rating can put you in a favourable position. Similarly, if you have a poor credit score, it might result in higher interest or even rejection.
  • Income Level: Your income is also a significant factor in determining eligibility for a loan. A regular and stable monthly income gives them confidence that you will not miss payments. Self-employed borrowers will have to submit additional documents to establish a constant income.
  • Down Payment: The higher the down payment you can make, the lower the risk to lenders. A higher down payment speeds up the loan approval and lowers the total cost of the loan.
  • Car Condition: The mechanical and physical condition of the vehicle is critical, particularly for used cars. A vehicle with good service history, regular maintenance, and no severe damage will be more easily financed compared to one with a bad service history.

In general, car age is an essential factor; however, your general financial situation, your ability to repay the loan, and the state of the car all together determine whether you can get approved for a car loan and the conditions that you're offered.

Read More: The Ultimate Used Car Checklist: 25 Things to Inspect Before You Pay

How Can You Increase Your Chances of Getting a Used Car Loan Approved?

Here are some tips that will help you become more eligible for used car loans:

  • Second-hand Car’s Age: To increase your chances of getting a loan approved and receiving better terms, choose a car that is not too old, ideally, less than 8 to 10 years old.
  • Verify the Car's History: The car's history must be clean. Ensure the car has not been involved in serious accidents, has no service issues, and has no pending loans or insurance claims. The lenders feel more confident when they know the car is in good condition and has no hidden problems.
  • Choose a Reliable Dealer: Always opt for a certified pre-owned dealer or an authorised dealer to buy a pre-owned car. The dealers usually check the cars thoroughly and then certify them, so lenders are assured that the vehicle is reliable and eligible for financing.
  • Make a Larger Down Payment: Try to make as large a down payment as possible, as it will lower the loan-to-value ratio. This reduces the risk for the lender and increases the approval chances. Sometimes, it will also qualify you for a lower interest rate.
  • Choose a Shorter Repayment Term: Short repayment durations are preferable to lenders in the case of used vehicles, as the value of the car continues to depreciate. A loan term of 2-4 years can increase your chances of qualifying for a loan.
  • Maintain a Good Credit Score: Your credit score plays a vital role in the approval of a Pre-owned Car Loan. A good credit score indicates you are financially disciplined, which can help balance the risk to the lender on your used car loan.

Read Also: Factors to Consider Before Applying for a Used Car Loan

To Conclude

Car’s age is one of the most important factors that lenders consider when determining your eligibility and terms for a Pre-owned Car Loan. The loan can help you fulfil your dream of having your own car. However, always take your financial situation and personal requirements into account, and make a well-informed decision when applying for a used car loan.

Looking to get a used-car loan? Poonawalla Fincorp offers a Pre-owned Car Loan of up to Rs. 75 Lakh at affordable interest rates with a long repayment tenure of up to 6 years. Apply now and take the first step towards owning your dream car!

FAQs

Can I get a car loan if the car is already 9-10 years old?

It depends on the lenders; most of the financing is restricted to cars under 8-10 years of age. However, some lenders may also offer loans for vehicles that are 9-10 years old with limited loan amounts, interest rates, and tenures.

Does the car's age affect the interest rate on a car loan?

Yes, older cars usually attract higher interest rates due to a higher risk for lenders.

Will a higher down payment help me get a car loan for an older car?

Absolutely, a larger upfront payment reduces the lender's risk and improves approval chances for a used car loan.

What are the documents needed for a used-car loan at Poonawalla Fincorp?

Proof of name and address, evidence of income, bank statements, and vehicle documentation, such as RC (Registration Certificate), insurance, and PUC (Pollution Under Control), are required for a used car loan at Poonawalla Fincorp.

Does the car's service record matter for loan eligibility?

Yes, a well-maintained service history can increase your chances of getting approval for a used car loan.

Disclaimer

We take utmost care to provide information based on internal data and reliable sources. However, this article and associated web pages provide generic information for reference purposes only. Readers must make an informed decision by reviewing the products offered and the terms and conditions. Loan disbursal is at the sole discretion of Poonawalla Fincorp.

*Terms and Conditions apply
call to action
An error occurred while processing the template.
The following has evaluated to null or missing:
==> blogEntry.getCoverImageURL(themeDisplay)  [in template "20096#20121#1665161" at line 34, column 26]

----
Tip: If the failing expression is known to legally refer to something that's sometimes null or missing, either specify a default value like myOptionalVar!myDefault, or use <#if myOptionalVar??>when-present<#else>when-missing</#if>. (These only cover the last step of the expression; to cover the whole expression, use parenthesis: (myOptionalVar.foo)!myDefault, (myOptionalVar.foo)??
----

----
FTL stack trace ("~" means nesting-related):
	- Failed at: #assign coverImageUrl = blogEntry.get...  [in template "20096#20121#1665161" at line 34, column 1]
----
1<style> 
2.emailBox .form-control, .panBox .form-control{border:1px solid #767676} 
3a.btn.btnWhite{color: var(--blue)!important;} 
4</style> 
5<#assign baseUrl= themeDisplay.getPortalURL() > 
6<#assign groupId = themeDisplay.getScopeGroupId() > 
7<#assign blogService = serviceLocator.findService("com.liferay.blogs.service.BlogsEntryLocalService")> 
8<#assign assetCategory = serviceLocator.findService("com.liferay.asset.kernel.service.AssetCategoryLocalService")> 
9<#assign url = themeDisplay.getURLCurrent()?substring(7)?trim!"" /> 
10<#if url = ""> 
11<#assign url="/personal-loan/top-ideas-to-celebrate-diwali-festival"> 
12</#if> 
13<#assign blogEntry = "" /> 
14<#attempt> 
15<#assign blogEntry = blogService.getEntry(groupId, url)!""> 
16<#recover> 
17<#assign blogEntry = "" /> 
18</#attempt> 
19<#assign blogcontent = "Default blog content"> 
20<#assign title = "Default title" > 
21<#assign description = "Default description" > 
22<#assign createDate = "Default createDate"> 
23<#assign modifiedDate = "Default modifiedDate"> 
24<#assign displayDate = "Default displayDate"> 
25<#assign coverImageUrl = "Default url"> 
26<#if blogEntry?has_content && blogEntry?is_hash> 
27<#assign blogcontent = blogEntry.content > 
28<#assign title = blogEntry.title!"Default title" > 
29<#assign description = blogEntry.description !"Default description" > 
30<#setting time_zone="Asia/Kolkata"> 
31<#assign createDateIST = blogEntry.createDate?string("yyyy-MM-dd'T'HH:mm:ssXXX") !"Default createDate"> 
32<#assign modifiedDate = (blogEntry.modifiedDate?long + (10 * 60 * 1000))?number_to_datetime?string("yyyy-MM-dd'T'HH:mm:ssXXX") !"Default modifiedDate"> 
33<#assign displayDateIST = (blogEntry.displayDate?long + (10 * 60 * 1000))?number_to_datetime?string("yyyy-MM-dd'T'HH:mm:ssXXX") !"Default displayDate">  
34<#assign coverImageUrl = blogEntry.getCoverImageURL(themeDisplay)?keep_before('?')?keep_before_last('/') !"Default url"> 
35<#assign caption = blogEntry.coverImageCaption ! "Caption"> 
36<#assign authorName = blogEntry.getExpandoBridge().getAttribute("Author Name List") !"Poonawalla Fincorp Team" /> 
37<#if caption?contains("Caption")> 
38<#assign width = "1200"> 
39<#assign height = "675"> 
40<#elseif caption?contains("*")> 
41<#assign width = caption?keep_before('*')?replace("<p>","")?trim ! "1200"> 
42<#assign height = caption?keep_after('*')?replace("</p>","")?trim ! "675"> 
43<#else> 
44<#assign width = "1200"> 
45<#assign height = "675"> 
46</#if> 
47 
48</#if> 
49<#assign authorName = blogEntry.getExpandoBridge().getAttribute("Author Name List") !"Poonawalla Fincorp Team" /> 
50<#if authorName[0]?has_content> 
51<#if authorName[0] == "Pradeep Salunkhe"> 
52<#assign authorName = "Pradeep Salunkhe"> 
53<#assign authorPageUrl = "${themeDisplay.getPortalURL()}/author/pradeep-salunkhe"> 
54<#assign authorDescription ="With over 12 years of experience - including 8+ years in the BFSI sector - Pradeep shares practical financial insights to help readers make smarter money decisions."> 
55<#assign portraitURL = "/documents/35085/2665948/pradeep-salunkhe.jpg"> 
56<#elseif authorName[0] == "Vidhi Thakkar"> 
57<#assign authorName = "Vidhi Thakkar"> 
58<#assign authorDescription ="Vidhi Thakkar is a content writer with 2 years of experience crafting digital content in finance. She enjoys simplifying complex topics and finds joy in everyday storytelling."> 
59<#assign authorPageUrl = "${themeDisplay.getPortalURL()}/author/vidhi-thakkar"> 
60<#assign portraitURL = "/documents/35085/0/image.jpg"> 
61<#elseif authorName[0] == "Nachiketh Premraj"> 
62<#assign authorName = "Nachiketh Premraj"> 
63<#assign authorDescription = "As a seasoned Digital Marketing and Brand Leader, I specialize in Social Media Marketing, Social Listening (ORM), Brand Insights, Martech, App Marketing, SEO, Performance Marketing, Content Creation, Digital Strategy, Brand Building, and Consumer Insights. With a PGDM focused on Advertising & PR, I bring 18 years of diverse experience across Media and Banking sectors. My passion lies in leveraging data-driven insights to craft compelling brand narratives and drive impactful marketing strategies." > 
64<#assign authorPageUrl = "${themeDisplay.getPortalURL()}/author/nachiketh-premraj"> 
65<#assign portraitURL = "/documents/35085/2516764/nachiketh-premraj.jpg"> 
66 
67<#elseif authorName[0] == "Pallavi Lakra"> 
68<#assign authorName = "Pallavi Lakra"> 
69<#assign authorDescription = "Pallavi Lakra is a content writer with 2 years of experience crafting digital content in finance. She enjoys simplifying complex topics and finds joy in everyday storytelling." > 
70<#assign authorPageUrl = "${themeDisplay.getPortalURL()}/author/pallavi-lakra"> 
71<#assign portraitURL = "/documents/35085/2516764/pallavi-lakra.jpg"> 
72<#else> 
73<#assign authorName = "[Poonawalla Fincorp Team]" > 
74<#assign authorDescription ="Our team of expert writers and editors are passionate about providing authentic and valuable information on finance. Our aim is to simplify financial and finance-related concepts. We strive to help our readers become more aware and empowered to make informed financial decisions."> 
75<#assign authorPageUrl = "${themeDisplay.getPortalURL()}/author/poonawallateam"> 
76<#assign portraitURL = "/documents/d/poonawalla-fincorp/user_portrait"> 
77</#if> 
78</#if> 
79<script type="application/ld+json" id="json-ld"> 
80
81    "@context":"http://schema.org", 
82    "@type":"Article", 
83    "url":"${(themeDisplay.getPortalURL() + themeDisplay.getURLCurrent())?json_string}", 
84		"headline":"${title}", 
85    "description":"${description}", 
86    "datePublished":"${createDateIST}", 
87    "dateModified":"${displayDateIST}", 
88    "mainEntityOfPage":{ 
89        "@type":"WebPage", 
90        "@id":"${themeDisplay.getPortalURL()}${themeDisplay.getURLCurrent()}" 
91        }, 
92        "publisher":{ 
93            "@type":"Organization", 
94            "name":"Poonawalla Fincorp Limited", 
95            "logo":{ 
96                "@type":"ImageObject", 
97                "url":"https://poonawallafincorp.com/documents/d/poonawalla-fincorp/logo", 
98								"width":"125", 
99                "height":"26" 
100                }}, 
101				"author": { 
102           "@type": "Person", 
103           "name": "${authorName}", 
104           "description": "${authorDescription}", 
105           "url": "${authorPageUrl}", 
106           "image": { 
107           "@type": "ImageObject", 
108           "url": "${baseUrl}${portraitURL}", 
109           "width": 200, 
110           "height": 200 
111
112					}, 
113					"image": { 
114           "@type": "ImageObject", 
115           "url": "${coverImageUrl}", 
116           "width": "${width}px", 
117           "height": "${height}px" 
118		       }, 
119					"articleBody":"${blogcontent?replace('<[^>]*>', '', 'r')?replace('[^a-zA-Z0-9 ]', '', 'r')?json_string}", 
120 
121	        "about": [ 
122
123             "@type": "Thing", 
124             "name": "${themeDisplay.getURLCurrent()?split('/')[2]?replace("-"," ")?capitalize}" 
125
126
127
128
129</script> 
130 
131 
132 
133<#assign htmlContent = blogcontent> 
134<#if htmlContent?contains("<h2>Frequently Asked Questions</h2>")> 
135<#assign faqContent = htmlContent?keep_after("<h2>Frequently Asked Questions</h2>")?keep_before("<div class=")> 
136<#assign strongSplits = faqContent?split("<strong>")> 
137 
138<script type="application/ld+json" id="json-ld"> 
139
140  "@context": "https://schema.org", 
141  "@type": "FAQPage", 
142  "mainEntity": [ 
143<#list strongSplits as item> 
144<#if item_index != 0> 
145
146        "@type": "Question", 
147        "name": "${item?keep_before("</strong>")?trim}", 
148        "acceptedAnswer": { 
149          "@type": "Answer", 
150          "text": "${item?keep_after("</strong>")?replace("<[^>]*>", "", "r")?trim}" 
151
152      }<#if !item?is_last>,</#if> 
153</#if> 
154</#list> 
155
156
157</script> 
158 
159<#elseif htmlContent?contains("<h2>FAQs</h2>")> 
160<#assign faqContent = htmlContent?keep_after("<h2>FAQs</h2>")?keep_before("<div class=")> 
161<#assign strongSplits = faqContent?split("<strong>")> 
162<script type="application/ld+json" id="json-ld"> 
163
164  "@context": "https://schema.org", 
165  "@type": "FAQPage", 
166  "mainEntity": [ 
167<#list strongSplits as item> 
168<#if item_index != 0> 
169
170        "@type": "Question", 
171        "name": "${item?keep_before("</strong>")?trim}", 
172        "acceptedAnswer": { 
173          "@type": "Answer", 
174          "text": "${item?keep_after("</strong>")?replace("<[^>]*>", "", "r")?trim}" 
175
176      }<#if !item?is_last>,</#if> 
177</#if> 
178</#list> 
179
180
181</script> 
182 
183<#else> 
184<#-- No FAQ section found --> 
185<#assign faqContent = ""> 
186</#if> 
187  
188 
189<style nonce="2D0oPEosbPtmhwpQq22tPg==" nonce="SPiOUHjpip8198n4uNoZFQ=="> 
190 #waitd{ 
191		color:red; 
192
193 .waitd{ 
194		color:red; 
195
196</style> 
197<div class="article-blog_feature"> 
198        <img class="mob-hide" src="https://poonawallafincorp.com/documents/d/poonawalla-fincorp/article06-png" alt="Personal Loan Banner" width="100%" height="auto" loading="lazy" /> 
199        <img class="d-none mob-show" src="https://poonawallafincorp.com/documents/d/poonawalla-fincorp/marticle06-png" alt="Personal Loan Banner" width="100%" height="auto" loading="lazy" /> 
200        <div class="article-blog_overlay container-fluid"> 
201          <div class="blog-feature_caption">           
202 <h3><#if (Heading.getData())?? && !(Heading.getData()?lower_case?contains("<script"))> 
203	${Heading.getData()} 
204</#if></h3> 
205            <div class="loanAmount"> 
206              <div class="loanAmountLimit"> 
207               Get Upto 
208<div>₹<#if (GetUptoAmount.getData())?? && !(GetUptoAmount.getData()?lower_case?contains("<script"))> 
209	${GetUptoAmount.getData()} 
210</#if><span>lakhs</span></div> 
211              </div> 
212              <div class="loanAmountLimit"> 
213                Starting at 
214                <div><#if (Text53388883.getData())?? && !(Text53388883.getData()?lower_case?contains("<script"))> 
215	${Text53388883.getData()} 
216</#if><span> % </span></div> 
217              </div> 
218            </div> 
219           <a class="btn btnWhite apply" href="${ApplyNowLinkPage.getFriendlyUrl()}" title="Apply-Loan">Apply Now</a> 
220          </div> 
221        </div> 
222      </div>			 
223	<div class="article-blog_inputBox"> 
224  <div class="article-blog_inputContent">        
225  <div class="emailBox"> 
226    <label> Like what you read? <br>  
227      Stay ahead with finance insights</label> 
228    <div class="emailInput position-relative"> 
229		<form onsubmit="event.preventDefault(); sendSubcription();"> 
230     <input class="form-control" aria-label="e-mail address" type="text" placeholder="e-mail address" id="emailID" maxlength="50"/> 
231    <img src="https://poonawallafincorp.com/documents/d/poonawalla-fincorp/rightarrow" alt="rightArrow" onclick="sendSubcription()"/> 
232    </form> 
233		</div> 
234		<span id="success_req" style="display:none"> 
235	 <label class="mt-2 position-relative top-0 subscribeMsg"><span class="text-green mt-2"> 
236        <img src="https://poonawallafincorp.com/documents/d/poonawalla-fincorp/greencheck" alt="Green check" class="mr-2">  Thank you for subscribing!</img></label> 
237	  </span> 
238		<div class="emailInput position-relative waitd" id="waitd" style="display:none">Please wait...</div> 
239	   <div class="emailInput position-relative" id="success_suscrib" style="display:none">Email Already Suscribed!</div> 
240	   <div class="emailInput position-relative" id="error_val" style="display:none">Enter Valid Email Id</div> 
241		 <div class="emailInput position-relative" id="error_req" style="display:none">Enter Your Email Id</div>  
242</div></div></div></div>		 
243 
244<script> 
245var baseUrlNew = "${baseUrl}"; 
246var _token; 
247function getTokens() { 
248    $(".loader").css("display", "block"); 
249    const myHeaders = new Headers(); 
250    myHeaders.append("Content-Type", "application/x-www-form-urlencoded"); 
251    myHeaders.append("Cookie", "JSESSIONID=E6176249B705404196C7DC2B93619CA8"); 
252    const urlencoded = new URLSearchParams(); 
253    urlencoded.append("client_id", "id-e87ee6b8-15d8-9cfb-e4e8-ee81957e1da"); 
254    urlencoded.append("client_secret", "secret-39e1d060-4ea7-af66-fe6b-63742d41d920"); 
255    urlencoded.append("grant_type", "client_credentials"); 
256    const requestOptions = { 
257        method: "POST", 
258        headers: myHeaders, 
259        body: urlencoded, 
260        redirect: "follow" 
261    }; 
262    fetch(baseUrlNew+"/o/oauth2/token", requestOptions) 
263        .then((response) => response.text()) 
264        .then((result) => { 
265            let res = JSON.parse(result); 
266            var btok = res.access_token; 
267            _token = btok; 
268						}) 
269        .catch((error) => { 
270            $(".loader").css("display", "none"); 
271            console.error(error); 
272        }); 
273
274//getTokens(); 
275function handleEnterKey(event) { 
276      if (event.keyCode === 13) { 
277        sendSubcription(); 
278
279
280 
281    const emailInput = document.getElementById('emailID'); 
282    emailInput.addEventListener('keydown', handleEnterKey); 
283	function sendSubcription() { 
284			var emailId=$('#emailID').val(); 
285		$("#success_req").css("display","none"); 
286		$("#success_suscrib").css("display","none"); 
287	 
288	//const emailRegex = /^[a-zA-Z0-9._%+-]+@gmail\.com$/; 
289	const emailRegex = /^[a-zA-Z0-9._%+-]+@(gmail\.com|yahoo\.com|yopmail\.com|outlook\.com|[a-zA-Z0-9.-]+\.[a-zA-Z]{2,})$/; 
290   if(emailRegex.test(emailId)){ 
291		  emailInput.classList.remove('danger'); 
292		 $("#error_val").css("display","none"); 
293		 $("#error_req").css("display","none"); 
294	 }else{ 
295		 if(emailId ==""){	 
296			 emailInput.classList.add('danger'); 
297		  $("#error_val").css("display","none"); 
298			$("#error_req").css("display","block"); 
299			return; 
300	   }else{ 
301			 emailInput.classList.add('danger'); 
302			  $("#error_val").css("display","block"); 
303			  $("#error_req").css("display","none"); 
304			 return; 
305
306		   
307
308	//	return; 
309		$("#waitd,.waitd").css("display","block"); 
310     var apiUrl =baseUrlNew+"/o/subscription/get-lead-by-email?email="+emailId; 
311          $.ajax({ 
312            url: apiUrl, 
313            type: 'GET',					  
314            dataType: 'json', 
315					//	headers: { 
316        //'Authorization': 'Bearer ' + _token 
317       // }, 
318            success: function(data) { 
319                 emailInput.classList.remove('danger'); 
320			           $("#error_val").css("display","none"); 
321			           $("#error_req").css("display","none"); 
322							   //$("#success_req").css("display","block"); 
323							if(data && data.length>0){ 
324								$("#success_suscrib").css("display","block"); 
325								$("#waitd,.waitd").css("display","none"); 
326								$("#emailID").val(""); 
327								setTimeout(()=>{$("#success_suscrib").css("display","none"); 
328								$("#waitd").css("display","none"); 
329								},2000) 
330								return; 
331							}else{ 
332								$("#success_suscrib").css("display","none"); 
333								newSuscribed(emailId); 
334
335                 $.each(data, function(index, loan) { 
336                    $('#loanList').append($('<option></option>').attr('value', loan.lId).text(loan.loanName)); 
337                }); 
338            }, 
339						 
340                                    complete: function(){ 
341																		//	$("#waitd,.waitd").css("display","none"); 
342                                    }, 
343            error: function(xhr, status, error) { 
344
345        }); 
346
347	function newSuscribed(emailId){    	 
348	var apiUrl = baseUrl1+"/o/subscription/capture-lead?Attribute=EmailAddress&Value="+emailId;  
349    const myHeaders = new Headers(); 
350//myHeaders.append("Authorization", 'Bearer ' + _token); 
351myHeaders.append("Cookie", "COOKIE_SUPPORT=true; GUEST_LANGUAGE_ID=en_US; JSESSIONID=077E178F6946DD868149B7A58A993FBB"); 
352 
353const requestOptions = { 
354  method: "POST", 
355  headers: myHeaders, 
356  redirect: "follow" 
357}; 
358 
359fetch(apiUrl, requestOptions) 
360  .then((response) => response.text()) 
361  .then((data) => {	 
362	if (JSON.parse(data)?.Status == "Success") { 
363                localStorage.setItem("submitApi", emailId); 
364                sendSubcriptionAgain(emailId) 
365                    .then((res) => { 
366                        return true; 
367                    }) 
368                    .catch((err) => { 
369                        console.log(err); 
370                    }) 
371
372            else { 
373 
374
375	}) 
376	.catch((error)=>{ 
377	console.warn(error); 
378	}) 
379	 
380
381function increaseTimeByFiveMinutes() { 
382    var currentDate = new Date(); // Get the current date and time 
383    currentDate.setMinutes(currentDate.getMinutes() + 5); // Increase current time by 5 minutes 
384 
385    // Format the date and time as "YYYY-MM-DD HH:mm:ss" 
386    var formattedDateTime = currentDate.toISOString().replace(/T/, ' ').replace(/\..+/, ''); 
387 
388    return formattedDateTime; 
389
390 
391 
392	function passLeadGenerate(prospectId, emailId) { 
393   
394     
395 
396	var activitnn= "News Letter"; 
397   
398var apiUrl = baseUrl1 + "/o/subscription/create-subscription-lead?RelatedProspectId=" + encodeURIComponent(prospectId.trim()) + 
399"&ActivityNote=" + encodeURIComponent(activitnn) + "&ActivityDateTime=" + encodeURIComponent(increaseTimeByFiveMinutes()) + 
400"&ActivityEvent=258"+"&ProcessFilesAsync=true"; 
401  
402    const myHeaders = new Headers(); 
403//myHeaders.append("Authorization", 'Bearer ' + _token); 
404myHeaders.append("Cookie", "COOKIE_SUPPORT=true; GUEST_LANGUAGE_ID=en_US; JSESSIONID=077E178F6946DD868149B7A58A993FBB"); 
405 
406const requestOptions = { 
407  method: "POST", 
408  headers: myHeaders, 
409  redirect: "follow" 
410}; 
411 
412fetch(apiUrl, requestOptions) 
413  .then((response) => response.text()) 
414  .then((data) => { 
415		$("#success_req").css("display","block"); 
416		$("#waitd,.waitd").css("display","none"); 
417					$("#emailID").val(""); 
418					setTimeout(()=>{ 
419					$("#success_req").css("display","none"); 
420					},2000); 
421	}) 
422	.catch((error)=>{ 
423	console.warn(error); 
424	}) 
425    
426
427	 
428	function sendSubcriptionAgain(EmailId) { 
429			var emailId=EmailId; 
430		$("#success_req").css("display","none"); 
431		$("#success_suscrib").css("display","none"); 
432	 
433		//const emailRegex = /^[a-zA-Z0-9._%+-]+@gmail\.com$/; 
434		const emailRegex = /^[a-zA-Z0-9._%+-]+@(gmail\.com|yahoo\.com|yopmail\.com|outlook\.com|[a-zA-Z0-9.-]+\.[a-zA-Z]{2,})$/; 
435   if(emailRegex.test(emailId)){ 
436		  emailInput.classList.remove('danger'); 
437		 $("#error_val").css("display","none"); 
438		 $("#error_req").css("display","none"); 
439	 }else{ 
440		 if(emailId ==""){	 
441			 emailInput.classList.add('danger'); 
442		  $("#error_val").css("display","none"); 
443			$("#error_req").css("display","block"); 
444			return; 
445	   }else{ 
446			 emailInput.classList.add('danger'); 
447			  $("#error_val").css("display","block"); 
448			  $("#error_req").css("display","none"); 
449			 return; 
450
451		   
452
453	//	return; 
454	 
455    return new Promise((resolve, reject) => { 
456        $.ajax({ 
457             url: baseUrl1+"/o/subscription/get-lead-by-email?email="+emailId, 
458            type: 'GET', 
459           //	headers: { 
460           // 'Authorization': 'Bearer ' + _token 
461           //  }, 
462            dataType: 'json', 
463            success: function (data) { 
464                resolve(data); 
465                if (data && data?.length > 0) { 
466                    //	$("#success_suscrib").css("display","block"); 
467                    passLeadGenerate(data[0].ProspectID, emailId); 
468                } else { 
469                    $("#success_suscrib").css("display", "none"); 
470                    newSuscribed(emailId); 
471
472								$("#waitd ,.waitd").css("display","none"); 
473                $.each(data, function (index, loan) { 
474                    $('#loanList').append($('<option></option>').attr('value', loan.lId).text(loan.loanName)); 
475                }); 
476            }, 
477 
478            complete: function () { 
479            }, 
480            error: function (xhr, status, error) { 
481                reject(new Error("Error fetching data:", error)) 
482 
483
484        }); 
485    })	 
486
487		 
488</script> 
489 
490 
491 
492<#assign baseUrl= themeDisplay.getPortalURL() > 
493<#assign currentPageUrl = themeDisplay.getPortalURL() + themeDisplay.getURLCurrent()> 
494<#assign articles = []>  
495 
496 
497 
498<script type="application/ld+json"> 
499
500          "@context": "https://schema.org/",  
501          "@type": "BreadcrumbList",  
502          "itemListElement": [{ 
503            "@type": "ListItem",  
504            "position": 1,  
505            "name": "Home", 
506            "item": "${baseUrl}"   
507          },{ 
508            "@type": "ListItem",  
509            "position": 2,  
510            "name": "Blogs", 
511            "item": "${baseUrl}/blogs/all-blogs"   
512          },{ 
513            "@type": "ListItem",  
514            "position": 3,  
515            "name": "${themeDisplay.getURLCurrent()?split('/')[2]?replace("-"," ")?capitalize}", 
516            "item": "${themeDisplay.getPortalURL()}/blogs/${themeDisplay.getURLCurrent()?split('/')[2]}"   
517          },{ 
518            "@type": "ListItem",  
519            "position": 4,  
520            "name": "${title}", 
521            "item": "${themeDisplay.getPortalURL()}${themeDisplay.getURLCurrent()}"   
522          }] 
523
524    </script>