The difference is that one pays interest, the other pays interest on the loan without paying interest, and there is a discount for not paying interest in full.

(1) Vehicle ownership: before the car loan is paid off, the ownership belongs to the bank; The ownership of the car purchased in full belongs to the buyer;

② The right to use the vehicle: the right to use the full car and the loan car belongs to the car buyer;

3 insurance beneficiary: the beneficiary of buying a car in full is the buyer; The beneficiary of the loan to buy a car is the bank. Note: the loan to buy a car will pay a certain amount of interest, and the actual amount paid by the loan to buy a car is higher than the full amount.