There are three options for buying a car with a car loan. The first is to apply for a loan for you through an auto finance company in a shop in 4 S. The advantage of this kind of loan is that it is fast and convenient, and it can provide one-stop service for car loans. The required materials are not very demanding and the loan scheme is flexible. The disadvantage is that the loan interest rate is high and the vehicle price is basically unfavorable. Even if there is a zero interest rate activity, it is carried out on the basis of canceling the original preferential price of the vehicle, and it is still a loss in the end.
The second is to pay by credit card installment, which is a commonly used loan car purchase scheme now. You can apply for a special credit card by providing some materials to the bank and pay the handling fee in one lump sum. Without interest, vehicles can be purchased at preferential prices. The disadvantage is that the price of cars is limited, but most commonly used models can be selected.
The third is the bank car loan, which is no longer used for personal loans. You need to apply for a loan through an intermediary guarantee institution introduced by the bank and submit relevant supporting materials. The loan interest rate changes with the adjustment of the national interest rate. You also need to pay the intermediary guarantee fee, but you can also get preferential vehicle prices. The disadvantage is that there are many complicated procedures.
4S stores just want you to choose their car financing loans. You can consider it if it's convenient for you.
Credit card installment and bank loan are strictly reviewed and required, while credit card installment payment is relatively simple.
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