Car loans are generally 3 years, and the longest is no more than 5 years. If you are a local, or have a local property, you can apply for a loan directly from the bank. If you don't have real estate in the local area, I suggest that it's easier for you to apply for it in a car 4S shop.

The basic conditions for applying for a car loan are:

(1) has 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.