Generally, it takes about three to five working days to complete the information.

Second, how long can the car loan be approved?

How long it takes to get a car loan depends on the loan method: 1. Get a car loan through the bank. It takes about half a month to a month to apply for a car loan from the bank. 2. Handling auto loans through auto financing companies. It usually takes about three days to apply for an auto loan from an auto financing company. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits. And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records. The specific steps of buying a car by credit card are roughly as follows: 1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan. 2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it. 3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance. Finally, I can drive the car away smoothly. Loan terms: 1. Having 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.

3. How long does it take to get a car loan?

You can pick up the car after the loan is made. Automobile loan processing flow:

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;

4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

5. loan settlement.

4. Can the car loan be approved on the spot?

Car loans are easy to pass.

Choosing a loan when buying a car has become the main way to buy a car at present, but some people worry that their car loan will not be approved. How long does it usually take to approve a car loan? What will happen if the car loan is not approved?

Car loans are generally lower than other loans, and car loans are relatively lower than other loans (housing loans). As long as people have a fixed job and income, they can generally afford it, unless you are too headstrong when choosing a car, which is beyond your tolerance.

Car loans can generally be approved in about 7 working days. If you choose a car quickly, you can generally complete the examination and approval on the same day. But the approval speed will also be affected by many factors. For example, if the information you provide is incorrect, it will delay a lot of time. Secondly, the Bank of China will make a mistake in calling you at the beginning of the car loan, which will also affect the approval speed and even the audit results.

If the car loan is caused by several reasons.

1. The loan amount is too large, and the bank thinks you can't repay it.

2. Poor credit information. If you have ever defaulted on your credit card for more than two times in five years, the bank has a good chance to refuse your loan.

3. The spouse's credit information is not good, and the married spouse's credit information is also a bank.

4. There are too many debts. If you owe too much, the bank will have it, even if you don't refuse, it will be reduced.

Monthly repayment accounts for more than 50% of your monthly income.

When we buy a car, we must first reflect on the problems we may encounter if the car loan fails. Bank loans do not choose car dealers, finance or car loan companies. The ownership ratio of car loan companies will also increase accordingly.