1. Choose a car model and apply for a loan: you can fill in the application form for car consumption loan, credit information questionnaire and personal income proof materials at the bank;

2. Examination and approval by bank or finance company: the bank or finance company examines the applicant, and if it meets the requirements, it will contact the applicant according to the contact information provided by the applicant;

3. Signing: The applicant signs a loan contract, a guarantee contract and a mortgage contract with a bank or an auto financing company, and goes through mortgage registration, insurance and other procedures;

4. Loans: auto financing companies and freight banks issue loans;

5. Pick up the car: Bring the required documents to pick up the car.