The process is as follows: 1, go to the car 4S shop to choose the car model. 2. Fill in the loan application form of auto financing company and provide materials. 3. Waiting for approval. 4. Sign car purchase contracts and loan contracts. 5. Pay down payment and purchase tax. 6. Go through the formalities of new car registration and mortgage registration. 7. Pick up the car and repay the loan as scheduled according to the contract.

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Under normal circumstances, car financing loans do not need any guarantee from car buyers, as long as they have a fixed occupation and residence, stable income and repayment ability, and good personal credit, and apply for car loans. After the applicant is optimistic about the vehicle, he/she needs to fill in an application form for automobile consumption loan and a credit information questionnaire. , and submit it to the bank together with the relevant proof of personal situation. After receiving the application, the bank will conduct pre-loan investigation and approval. After examination, the bank will inform the borrower to fill in various forms and loan contracts. , and go through the mortgage registration and insurance procedures. Finally, the bank issues a loan, and the borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and car pick-up slip issued by the bank.