Yes Usually, the interest-free policy of installment payment is mostly one year, two years or three years, and five years is a super-long loan. Generally, this kind of super-long loan will have the identity of the buyer's unknown lending institution and implied additional conditions. There are many additional conditions for buying a car with a loan. Behind the interest-free is the interest subsidy of 4S stores to financial institutions, and the subsidized money is ultimately borne by the buyer. The seller has designed the routine.