Legal analysis: Yes, it is necessary to investigate the lender's bank credit record, but there will be no political review. The application conditions are as follows: 1, the original ID card, household registration book or other valid residence certificate, 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 documents required by the Cooperation Organization.

Legal basis: "Several Opinions of the Supreme People's Court on People's Courts in Handling Lending Cases" Article 19 If a people's court finds any of the following circumstances in handling a private lending dispute case, it shall strictly examine the reasons, time, place, source of funds, delivery method, flow of funds, relationship between borrowers and borrowers, economic situation and other facts, and comprehensively judge whether it is a false civil lawsuit: (1) The lender obviously does not have the ability to lend; (2) The facts and reasons brought by the lender are obviously unreasonable; (3) The lender is unable to submit the creditor's rights certificate or the creditor's rights certificate submitted may be forged; (four) both parties have participated in private lending litigation for many times within a certain period of time; 5) One party or both parties refuse to appear in court to participate in the litigation without justifiable reasons, and the entrusted agent's statement of the loan facts is unclear or inconsistent; 6) The parties have no dispute about the occurrence of the loan fact or the defense is obviously unreasonable; (seven) the borrower's spouse or partner, other creditors outside the case raised factual objections; (8) Other parties to the dispute transfer property at a low price; (nine) the parties give up their rights improperly; (10) Other circumstances in which there may be false private lending litigation.