Normal 4s stores pay 20%-50% down payment and banks pay 40%-50% down payment. Some car dealers can find some financing companies to achieve 20% or even lower. If you use a 4s shop loan, the requirements for the lender are not very high, and a stable job is enough. If you go to a bank or financial company, it will be more complicated. First of all, we must know that the beneficiaries of buying a car by stages are banks or financial institutions, because now many banks have higher thresholds for lending to buy a car and there are more financial companies. Secondly, the requirements for car buyers: the general wage income is normal, and it is best to have provident fund, real estate (property rights) or married. Of course, if you have other written documents to prove the strength of your paid loan, you can do it.