Generally, there are two ways to apply for a car loan: personal credit loan (unsecured and unsecured, which generally requires you to have good credit and stable work income) or real estate mortgage loan (using real estate as collateral). Personal credit loans to buy a car can generally be borrowed for 5 years, with a down payment of more than 30%. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%. The car payment is different, only the loan money is different, and other conditions are similar (1) with valid identification and full capacity for civil conduct; (2) Can provide a fixed and detailed address certificate; (3) Have a stable occupation and the ability to repay the loan principal and interest on schedule; (4) Personal social credit is good; (5) Holding a car purchase contract or agreement approved by the lender; (6) Other conditions stipulated by the Cooperation Organization. Car loan application materials (1) original ID card, household registration book or other valid proof of residence, and provide its copy; (2) proof of occupation and economic income; (3) car purchase agreement, contract or letter of intent signed with the dealer; (4) Other materials required by banks or lending institutions. Loan is mainly based on the actual use of your loan to determine your loan method! You can submit a loan application online, and you can check your loan progress in 2 to 3 working days (except weekends and holidays)! Click the online loan application link:/activity/product/carroan-dash-lucky-index.html.