1. Apply online
Borrowers apply for loans on the online car loan platform, and fill in vehicle information online, including vehicle model, city, time of licensing, mileage, etc. , car loan platform system for preliminary evaluation.
After the system evaluation meets the requirements, the borrower needs to apply and wait for the offline staff to call.
This process doesn't take a long time, usually it can be done in about 1 hour, and the fastest is ten minutes.
2. Wait for the customer service call.
After the borrower applies, the staff of the online car loan platform will generally call the borrower within 24 hours to make an appointment with the borrower for an offline car inspection. At that time, the borrower needs to drive and bring relevant information to the designated store.
Because the calls are made in sequence, if there are many people waiting in line before the borrower, the staff will contact the borrower later, but it will not exceed 48 hours at the latest. This process will take a day or two.
During this period, the borrower should always keep the phone open. If you don't receive the call, the loan application will be rejected.
3. Check the car offline, sign a contract and apply for mortgage.
After the borrower drives the car to the designated store, the loan platform will arrange an evaluation agency to evaluate the car damage, and the lending agency will determine the loan amount, term and loan interest rate for the borrower according to the evaluation value.
After the borrower agrees, both parties should sign a loan contract and register the car as mortgage.
Because some borrowers may not be free until the weekend, it will take about a week including waiting time.
4. Loans from lending institutions
After confirming that all the above procedures are completed, the lending institution will release the money to the bank card account designated by the borrower.
Some lending institutions have to queue up for loans because of the large number of people. If there are holidays, they will postpone lending to working days, but they will generally complete it within 15 days.
If the loan is successful, the lender will send a text message to the borrower, and the borrower should always pay attention to the mobile phone text message.
The user's recent application for online loan, whether the repayment is timely, and whether the identity information is suspected of online loan lending can all be clearly reflected through online loan big data. You only need to use a credit inquiry tool, such as "Lan Bing Data", to get a detailed risk report.
Extended data:
How long does it take to apply for a car loan?
How often do you call back after applying for a car loan? This time is actually uncertain.
In fact, the telephone call back is usually in the final stage of examination and approval, so when to conduct the telephone call back mainly depends on the examination and approval efficiency of the loan handling bank or lending institution.
For example, some may get the approval results in five or six days, and then on the fourth or fifth day, banks (lending institutions) may call back.
Of course, not all banks (lending institutions) will call back, and some will call back at random, so some may end the car loan approval without calling back.
In short, after submitting the car loan application to the bank (lending institution), as long as you pay attention to keep the phone open, avoid the bank (lending institution) from missing the phone when calling back, resulting in missing the phone.
You know, the car loan application may be returned because of this.
After receiving the call from the bank (lending institution), we should pay attention to the questions raised by the staff and answer them truthfully.
Pay attention to the content of the answer to ensure that it is consistent with the information you submitted at the beginning, and the answer should be clear and smooth, without hesitation and ambiguity.