It usually takes half a month to buy a car with a loan.

After the approval, the customer also needs to sign a loan contract at the business outlet of the bank (auto consumption finance company) within the agreed time, handle the mortgage and other related procedures, and then enter the lending process. It usually takes three to seven working days from car loan approval to loan release.

If the car loan approval result is delayed or the loan is delayed after the car loan approval, the customer can take the initiative to call the handling bank (auto consumption finance company) to consult the customer service.

Loan car purchase process

1. First, find financial institutions willing to provide loans. Many brands of cars have their own financial companies, and if there is no dealer, they will recommend them.

2. Find the financial institution that provides the loan, and then prepare the financial proof materials, including: real estate license, work certificate, social security certificate, household registration book, ID card, personal credit certificate issued by the People's Bank of China, and personal account of the bank in the last three months.

3. The whole loan approval process takes about 15 working days. Some vehicles need to pay part of the down payment, so you need to prepare some cash.

Now the price of vehicles is relatively cheap, and many people have little pressure to borrow money to buy cars, so it is very common to handle them, so it takes a short time. However, for those who are not clear, you should carefully look at the content of this article to be more clear. Please consult a professional lawyer if you have any other questions.

Car loans can last for a few years at most.

General car loans can be borrowed for three years, up to five years.

Conditions for applying for a loan:

First, People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) continuously for 1 year or more (including 1 year);

Second, it has valid identification, fixed detailed address and full capacity for civil conduct;

Third, personal legal assets with stable legal income or sufficient to repay the principal and interest of loans;

Fourth, personal credit is good;

Fifth, it can pay the down payment stipulated in these measures;

6. Other conditions required by the lender;

Seventh, at least 25-55 years old;

Eighth, have a stable work unit;

Tenth, have worked continuously in the current unit for 6 months.

Extended data:

Precautions:

Consumer loans to buy a car must pay attention to three points:

First, after enjoying the "zero-interest-free loan" of the merchants, can you still enjoy the preferential price of the car?

Secondly, the car loan fee in the market a few days ago was in the range of 4%~7.5%, whether it was interest-free and fee-added;

Third, the general car purchase interest rate is charged according to the bank benchmark interest rate. Regardless of whether the handling fee is unavoidable, the interest is floating on the basis of the bank's benchmark interest rate.

Therefore, the most important thing in car loan is to shop around. Consumers should choose a regular car loan service company with certain qualifications and strength, which will not only standardize services and charges, but also leave you with hidden dangers.