Using a Loan Against Car Calculator offers several benefits: 

• It quickly calculates monthly payments.
• Helps plan finances by showing exact EMI amounts. 
• Allows comparison of different loan amounts and tenures.
• Reveals total repayment cost over the loan period.
• Facilitates better financial planning and decision-making.

To use a Loan Against Car EMI Calculator online, input the required loan amount, the applicable interest rate from a specific range determined by the lender, and the tenure in which you intend to repay the loan. The calculator will then compute your monthly EMI based on these details.

 In some cases, you may also have to provide details about your car like its make/model, age, type (sedan, SUV, etc).

The repayment tenure for an HDFC Bank Loan Against Car ranges from 12-84 months.