4S shop loans to buy a car do not need to pay a handling fee. Details are as follows: 1. The so-called "handling fee" refers to the cost of the car owner buying the car through the loan, that is, the cost of the 4S shop handling the loan-related examination and approval procedures for the buyer in the bank, and the cost of the service provided by the dealer in the process of handling all the expenses; 2. At present, almost all brands of cars will charge service fees, and the charging methods are rather confusing. 4S stores will charge a handling fee, and many stores will charge more than 2000 yuan to 10000 yuan; If you don't want to pay the handling fee, you can contact other banks to apply for a loan yourself. Although this extra handling fee can be waived, the procedures and required information are more complicated and the approval is stricter.