Many car dealers promote "zero interest rate, zero interest" loans to buy cars, but when consumers apply for loans, they find that although interest is exempted, there is an extra handling fee in the loan to buy cars. This part of the expenses will not be written in promotional advertisements, so consumers should understand that zero interest rate is only a promotional strategy.

Basically, all car loan services that claim zero interest rate will charge a handling fee. It is acceptable if the handling fee paid is lower than the loan interest or not much higher than the bank interest rate. If the final calculation result is much higher, it is better to apply for a car loan.

Insiders pointed out that there is still a trap of bundling sales and scraping oil layer by layer when buying a car with loans. Analysts in Yinlv.com believe that many dealers try their best to bundle sales on the grounds that it is difficult to apply for auto loans to earn more profits.

For example, it is required to apply for full auto insurance, apply for a credit card and buy some expensive auto parts. In this way, all the money not earned in the car will be earned back by other means. In addition, people in the industry are also wary of disguised price increases after the buyer's procedures are completed.