1. Ordinary loan: Generally, a car loan requires a down payment of 30% and repayment in installments. The shorter the repayment time, the less interest. The general one-year interest rate is around 4%-6%.

2,0 interest loan: this kind of loan does not have interest, but you need to pay a handling fee when you buy a car. This handling fee is basically the same as the interest you need to repay. Generally, it will be less, but it will not be much less.

3, 0 interest rate 0 handling fee loan: This down payment is generally a large proportion, and it is not always without interest. Generally, there is no interest for at most two years a year, and then the interest will be higher.

4. The basic rule of the interest rate of auto loan is to double the length: for example, the one-year interest rate is 4% and the two-year interest rate is 8%. How to calculate the loan interest: (total price-down payment) * interest rate/total repayment months.