When purchasing a car at a 4S store, the interest rate through car loan services is usually higher than the benchmark interest rate of the People's Bank of China. This base interest rate is differentiated according to different loan periods: short-term loans, with a borrowing period of less than one year (including one year), the annual interest rate is 4.35%. Medium and long-term loans, with a borrowing period of one to five years (including five years), and an annual interest rate of 4.75%. For loans over five years, the annual interest rate is 4.90%.

It should be noted that banks use different interest calculation methods when calculating interest, such as cumulative interest calculation method and transaction-by-transaction interest calculation method. The cumulative interest calculation method is calculated based on the daily account balance accumulation, and the daily balance is multiplied by the corresponding daily interest rate to obtain the interest. The calculation formula is: interest = cumulative interest-bearing product × daily interest rate, where the cumulative interest-bearing product is equal to the sum of daily balances.

In general, the car loan interest rate of 4S stores will rise based on the central bank's benchmark interest rate, and the specific value will vary according to the loan term and bank policies. When applying for a car loan, car buyers should learn more about the loan terms and interest rates in order to make the best financial decision.