First of all, it is true that pure white households can't get loans. You can get a credit card first, although the first credit card is a bit difficult, let's wait until the bus gets off. As for whether you can borrow a car loan of 40,000 yuan, this is unlikely, because there are only 37,000 naked cars, and then you can only borrow more than 20,000 yuan according to 70% of the assessed value, and the interest is also high, with a minimum of 20% annualized. I hope it's correct.