1, with valid identification.

When buying a car with a loan, the lender will review the identity information and need to submit a valid identity document.

If your ID card is accidentally lost or still being reissued, you can apply for a loan with your temporary ID card, but some lending institutions may not recognize it, so you need to communicate with the lending institutions in advance.

2. The age of meets the requirements.

When applying for a car loan, you need to be 18 years old or older. According to the regulations, minors are not allowed to apply for credit products, and lending institutions will not lend illegally.

Different lending institutions may have some differences in age requirements, which need to be subject to the notice of lending institutions.

3. Have full capacity for civil conduct.

You can't make yourself unable to bear the debt relationship because of physical or other reasons.

4. Have a stable and sufficient income.

For lending institutions, they naturally hope to repay the loan bill as agreed and earn the loan interest income, so they will pay more attention to the income. For example, some lending institutions will require more than twice the monthly payment.

If there is no stable flow of punching cards, you can communicate with the lending institution in advance to see if you can change it to other flow or tax certificates.

5. There are no other liabilities or the debt ratio is not high.

If other foreign debts are not settled when applying for a car loan, resulting in a high debt ratio, then the lending institution will be worried about future repayment, and will be even more worried about the next repayment.

In order to ensure the smooth payment of car loans, you can still settle these loans in advance before applying for loans to reduce your debt ratio.

6. There is no record of non-performing loans in the credit report.

When applying for car loan, you need to provide your own credit report. If you want to successfully apply for a car loan, then a good credit report is the foundation, and there can be no bad loan records on it, otherwise the loan will be rejected by the lending institution.

7. The down payment was paid as required.

Under normal circumstances, the bank loans to buy a car, the minimum down payment is 30%, and the financial requirements of the manufacturer for the down payment ratio may be lower. When applying for a car loan, you need to pay enough down payment as required.

8. Be able to provide complete loan information.

When applying for a car loan, you need to prepare credit report, income flow, income certificate and other materials required by lending institutions, and you need to prepare them on time so as not to affect your application for a car loan.

Before applying for a car loan, you can prepare your own information and consult the lending institution to see if you meet the loan conditions. Don't blindly pay the car purchase deposit to avoid some unfavorable situations for yourself when the car loan fails.

Under normal circumstances, the car loan review cycle will not exceed 1 week. You can always pay attention to the progress of the loan and communicate with the lending institution as soon as possible to solve the problem. If the loan is issued, it needs to be repaid as agreed to avoid overdue.

If you want to query the online loan data report, you can search "Sixi Data" to view data such as the number of user applications, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, and dishonesty information. The query result is very accurate.

Extended data:

How many lawsuits does Sina owe in installments?

As long as Sina's installment is overdue for more than 3 months, no matter how much money is owed, the platform has the right to sue the borrower.

However, considering the cost and time of prosecution, under normal circumstances, the loan platform will not easily sue the borrower. Under normal circumstances, when the overdue amount of the borrower reaches 5,000 yuan or more and refuses to repay the loan within the collection period, the platform can recover the money through legal prosecution.

Once the platform brings a lawsuit to the court, the court's decision will take effect, and the platform can apply to the court for enforcement to freeze personal assets such as real estate, automobile products and bank accounts under the borrower's name for repayment of arrears. If the borrower has no executable property under his name and refuses to perform the effective judgment of the court, then the borrower will be included in the list of untrustworthy people, which will bring a series of influences on users' travel, work and children's school choice.

In addition, even if the platform does not sue the borrower, overdue will also affect the borrower's personal credit information.