You can find ways to increase your income, so that you can prove to the bank that you have good repayment ability, and you can also provide a guarantor with better qualifications. If there is no problem with the guarantor's credit information, the pass rate will be much higher. What if the credit is bad and the car loan is rejected? 1, credit coverage, overdue problems in credit investigation will be kept for 5 years, but banks generally only look at the repayment records within 1-2 years, so we will cover the previous bad records with good repayment records. 2. Issue an unintentional overdue certificate. For example, the overdue problem in your credit report was not intentional. You can go to the bank to open an unintentional overdue credit report, and then it will be much easier to apply for a car loan. 3, online loans, online loans are very popular now, some online loans can be applied for a few years, you can use this money to buy a car, and then slowly repay the online loans. 4. With loans from car dealers or financial companies, the interest rate may be higher than that of banks, but the examination threshold is lower than that of banks, and it may also pass. If you need to apply for personal car loan, you must meet the following conditions at the same time: 1, 18 years old, a natural person with full capacity for civil conduct, a valid identity document that meets the regulatory requirements, and a fixed and detailed address; 2. People's Republic of China (PRC) citizens with permanent residence in China, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than 1 year (including 1 year) and have their own property in the place where the loan is applied; 3. Have a sustained and stable legal income or personal legal assets sufficient to repay the loan principal and interest, and have the ability and willingness to repay the loan principal and interest on schedule; 4. Personal credit status is good, and there is no bad credit record in BOC and its peers; 5. Being able to pay the down payment for car purchase in accordance with laws, regulations, regulatory provisions and prescribed limits; 6. Provide effective guarantee recognized by the lender; 7. The purpose of the loan is clear and legal, and it can provide a car purchase contract, agreement or letter of intent recognized by the lender;

I want to buy a car. What if I'm afraid I can't apply for a loan?

Why can't it be approved? If it is because of the bank, then try another bank: China Merchants Bank's consumer easy loan and postal savings loan approval are very fast!

I want to buy a car. What if I'm afraid I can't apply for a loan?

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