Yes The advance interest of CITIC Bank's car loan refers to the certain interest charged by banks or financial institutions to borrowers before the loan is issued, which is an essential procedure for installment, so CITIC Bank's car loan has advance interest. CITIC Bank's car loan processing flow: users are required to select the vehicle model first, then submit the loan application to the bank, fill in the application form, submit relevant materials to CITIC Bank, and sign the contract in advance. After CITIC Bank approves the loan, the applicant needs to pay the down payment for car purchase after receiving the approval notice.