1. Is there a problem with credit reporting? When applying for a car loan, the bank and the manufacturer's finance will review the credit information. There should be no record of non-performing loans in credit information, and it is best not to have long-term loan records in the near future.

If there is something wrong with the credit report, it may lead to the failure of the car loan application.

If there is a problem with credit reporting, it will be more difficult to apply for a car loan. If the formal lending institution may not agree to the loan application, if it is not in a hurry, it can wait until the credit information is repaired before applying for a car loan. However, the repair of credit information is not a simple matter, it takes a long time.

2. Does the income meet the requirements? After applying for a car loan, it is natural to have sufficient repayment ability. Therefore, lending institutions will pay more attention to the income situation. Generally speaking, the monthly income will be at least twice as much as the monthly car loan. If there are other outstanding foreign debts, this standard will be raised.

When applying for a car loan, the lending institution will judge the income by combining the income certificate and the income flow. If the income does not meet the requirements, the car loan application may not pass, and the impact is still relatively large.

3. Whether the adult car loan is also a kind of loan requires the lender to be an adult in terms of compliance. If you are not an adult, you can't apply for a car loan, otherwise you will be directly rejected by the lending institution.

4. Have the capacity for civil conduct In order to prevent loans overdue in the future, the lending institution will require full capacity for civil conduct, so that even if the car loan is not repaid in the future, the lending institution can still safeguard its rights and interests through legal channels, and cannot make itself unable to bear the debt liability due to physical reasons.

5. After applying for a car loan, the vehicle needs to be mortgaged. In order to ensure their rights and interests as much as possible, lending institutions will require vehicles to have certain market value and be easy to realize, especially when buying used cars to apply for loans. Lending institutions will pay special attention to the situation of the vehicle itself.

6. Whether to apply for a car loan in the bank after paying the down payment generally requires a minimum down payment of 30%, and the proportion of the manufacturer's financial application for a car loan may be lower. The specific down payment needs to be subject to the requirements of the lending institution. If you don't pay the down payment as required, then the car loan application will naturally not pass.

7. Vehicles can be mortgaged, which is mainly common in second-hand car loans. When buying a used car, you may encounter some cheap vehicles but you can't apply for a mortgage. This is usually because you have not obtained a motor vehicle certificate or the loan before the vehicle has not been settled. In this case, you will not be able to apply for a car loan.

It can be seen that there are many requirements to be met in order to successfully apply for a car loan. Before applying for a loan, you can prepare your own information and consult the lending institution to see if you meet the loan conditions.

In addition, when paying the car deposit, you can sign a written agreement with the 4S shop. If the loan fails, the deposit can be refunded in full.

Pay attention to personal credit and don't blindly apply for loans. Otherwise, once big data is spent, it will be rejected because the comprehensive score is not enough. Get a big data report in "Xiaoqi Credit Information" and clearly understand your situation in online lending big data. The database cooperates with more than 2,000 online lending platforms, and the query data is accurate and complete. You also need to pay attention to personal credit.

Extended data:

Can the deposit be refunded if the car loan has not come down?

Whether the car loan can be refunded depends on the specific situation.

The problem that the general car loan can't be done is not in the body, but in the case that the handling bank (auto consumption finance company) has insufficient lending funds and busy business. Or the car dealer has problems, the deposit can be refunded.

However, if the car loan is refused because of lack of credit, the deposit may not be refundable, and some may be refunded in full after applying for termination of the contract.

Others may ask for a certain penalty, and will not refund all the deposit, but will deduct a part.

Others will directly refuse to withdraw in the name of "deposit" instead of "deposit".

Regarding the refund of the deposit, you can negotiate with the 4S shop in detail. Remember to specify the relevant terms of refunding the deposit after the car loan is rejected when signing the car purchase contract. You can ask the 4S shop to clearly mark a clause. If the car loan fails, the seller will refund the full amount to the buyer.

If the two parties fail to negotiate and want to get the money back, they can also try to contact the court for arbitration.