It’s the real amount.

To buy a car with a loan, you can choose car dealer installment, credit card installment, or bank loan

Credit card installment: that is, using the limit of a personal credit card to make a loan and then repaying the loan in installments. The advantage of credit card installment is that there is no need to go through overly complicated procedures and provide documentation, which is more convenient and fast. The disadvantage is that the loan amount is limited by the credit card limit.