This study investigates the effectiveness, adoption patterns, user experience challenges, and satisfaction levels of digital lending platforms for Commercial Vehicle (CV) loans among borrowers in sub-urban Coimbatore, Tamil Nadu, with special reference to Sakthi Finance. Coimbatore is a prominent semi-urban logistical and textile hub where traditional, paper-heavy branch banking is rapidly being replaced by fintech-driven digital lending. Using a descriptive research design, primary data were collected from 102 valid respondents through a structured questionnaire employing convenience sampling. Data were analyzed using descriptive statistics (frequencies, percentages) and inferential tests including chi-square, correlation, and one-way ANOVA. Findings reveal that digital lending adoption is heavily concentrated among the young, economically active 25–35 age group (61.8%), with sub-urban residents (64.3%) actively utilizing these platforms. While 38% of business owners and 17.4% of actual transport operators use digital CV loans, the study identifies critical challenges including digital literacy barriers, fear of data theft, and a severe lack of vernacular language support. All inferential tests yielded non-significant results (p > 0.05), indicating that digital adoption cuts across demographics but is hindered by platform usability rather than borrower profiles. The study concludes that while national giants like Shriram and Bajaj Finance lead in technological maturity, regional players like Sakthi Finance must adopt hybrid "assisted-digital" models and hyper-localized app interfaces to prevent market share erosion in semi-urban India.

Keywords: Digital Lending Platform, Commercial Vehicle Finance, NBFC, Sakthi Finance, Fintech, Sub-Urban India, User Experience, Financial Inclusion, Coimbatore