It is not too strict to say whether it is reliable or not. It depends.

The first type: dealers launch low down payment or zero down payment for reasons such as stimulating sales and accelerating sales progress. This situation does exist, and it is very common now. The specific operation is generally to issue a high invoice and lend in full, and it is best to lend out all the expenses needed in the later period.

For example, the guide price of model X is150000, the actual transaction price is100000, but the invoice is140000. Normal loan is 80%,140000 * 0.8 =112000. Purchase tax 12800, insurance 8000. Some financial institutions can also finance purchase tax and insurance fees, that is, (12800+8000) * 0.8 =16640. Now the loan has been made112000+16640 =128640. Go back and calculate the down payment you need: 1, purchase tax12800; 2. Insurance 8000; 3. Other miscellaneous expenses are 8,000 yuan, the sum of the three expenses is 28,800 yuan, and the loan is128640-100000 = 28640. So you only need to pay 160 yuan, and you can drive away! This is a low down payment or zero down payment for normal operation. Reliable 4S stores and reliable finance are the last word. It is best to follow the manufacturer's own financial staging, which is guaranteed and there is no problem. In the past, there was little or no low down payment and zero down payment for manufacturer finance. Now, under the pressure of sales, many brand financial companies have opened this financial service. Personally, I still suggest that factory finance is the best policy, because not only factory finance is guaranteed, but also there is generally 18/24 zero interest or 36 low interest.

The second type: If some 4S stores can't pay such a low down payment or zero down payment for their own brand finance, but customers want to do it again, they will find a third-party financial company. Third-party wealth management companies are hard to say, and they are very popular. But generally speaking, the finance of 4S stores is relatively secure, especially for local stores with a long time. They will consider the credibility of their own stores or other reasons. Be sure to read the contract twice when you sign it.

The third type: automobile trade/automobile overload is not recommended. Not to mention high interest rates, post-decompression is also a problem and there is no guarantee. Most, I mean most.

There are many reasons why you don't like 4S shop, but compared with auto trade/auto supermarket, it has too many reasons for you to choose. Every industry is like this, some are praised for doing well, and some are not good at making a pot of soup.

I hope you can read my answer and adopt it. Thank you! .