If you take a loan, taking a credit card loan is the most favorable. There is no interest, only the handling fee. Other commercial loans and other expenses are too high, so it is not recommended to take commercial loans to buy a car. Credit card loan fees are about 12% for three years, 4% for 1 year, and 8% for two years, with little difference among banks. Take the purchase of Feng Fan as an example, with a loan of 50,000 yuan, a three-year repayment of 5.6W yuan and a monthly loan of 1.555 yuan. At least 30% down payment+insurance+license fee+tax. If Feng Fan picks up the car, the naked car 1 1W will definitely come down. 1 10000*0.3+6500 (insurance) +300+9400 (tax) =49200 yuan. The loan is 77,000 yuan, with a repayment of 8.624W in three years and a monthly repayment of 2,395 yuan. One aspect is whether you usually use credit card records. Every bank loan has a limit, depending on your credit history.