Generally, it is necessary to maintain good personal credit, and there is no record of bad information in the credit report.
And have a stable and legitimate source of economic income and the ability to repay the principal and interest of the loan on time, the approval of the car loan can be successfully passed, and then the loan can be released.
If the credit is good, in fact, whether you go to the factory finance or the bank, the loan is not a problem, and you can basically handle it successfully.
On the other hand, if the credit is not good, neither banks nor factory finance can handle car loans.
If you are worried about your average credit rating, the car loan is not easy to pass the examination and approval.
You can also try to find a person with good credit status to guarantee your loan, so as to increase the chances of the loan being approved.
What everyone needs to pay attention to is that when handling car loans in 4S stores, the staff of 4S stores may ask to choose the finance or bank of the cooperative manufacturer to handle them, and they cannot choose at will.
Just search: Bei Jian check it quickly. Click Query, enter information, and find your own big data report under the 100-line credit inquiry portal. The big data query platform has basically docked 98% of online lending platforms, and the queried online lending data is very accurate. Will display the user's network black index score, you can intuitively see whether the user is a network black account.
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Does the micro-loan still have an impact on the car loan?
The micro-loan has not been returned, but as long as there is no overdue record, the user can handle the car loan normally.
Micro-loan is a small loan, the loan amount is not high, and a single loan has a limit, which usually does not lead to a sharp increase in personal debt ratio.
Moreover, users have a certain credit record before applying for a car loan, which is helpful for passing the loan review.
Therefore, users can apply for other loans or car loans when the micro-loan has not been repaid, as long as they pay attention to repayment on time.