Loan to buy a car is cost-effective. Although it is necessary to pay a certain interest fee, the owner does not have too much economic pressure when picking up the car, and it will be easier to buy a car with a loan. However, if you buy a car in full, the owner does not need to pay extra interest or repay the monthly loan. You don't need to pay a large sum of money to buy a car with a loan, which is suitable for people with less money on hand. After paying the down payment, the remaining funds can be used for other purposes, such as starting a business or daily expenses. Buying a car with a loan can alleviate the current economic pressure and help realize the dream of buying a car through small down payment and investment and wealth management. For car owners, it is more cost-effective to choose a full car or a loan car. The key lies in the owner's own economic situation.