1, credit card installment loan. Credit card installment payment must cooperate with designated car dealers, and the loan period does not exceed two years at most, which has its limitations; The interest rate of auto financing loans is high, generally 20% higher than that of bank loans; Comparatively speaking, the bank loan interest rate is low, the loan term is long, the longest is five years, and the minimum down payment ratio can be reduced to 20% according to the situation.

2. Bank loans. There are several modes of bank loan: in the traditional car loan business, customers who choose the "direct customer" business can borrow money from the bank before buying a car; There is also a consumer loan business, as long as the property is mortgaged in the bank, you can get a loan and use it to buy a car; There is also a credit loan business, which is currently carried out in a few banks. As long as you have a stable job, you can apply for a sum of money for consumption, including buying a car. Moreover, some banks have special preferential treatment for civil servants, with high loan amount and convenient repayment.

3. Loans from auto financing institutions. Auto financing loan refers to a non-bank financial institution established with the approval of China Banking Regulatory Commission to provide financial services for auto buyers and consumers in China.