Buying a car in the third phase costs more than 10 thousand interest, which is definitely high, usury. Generally, the interest for three years is more than 10 thousand. You have three months in these three periods, and you need thousands of interest for one month. It is recommended to go to a regular 4S store to buy. The general interest rate is between 6% and 8%. Even if it is divided into three years, it can be counted as 8% interest. Loan150,000,150,000× 8% =120,000, only one year10.2 million, three years 36,000. This is 36 issues, and your three issues are all over 10 thousand.