You can't borrow the car service fee. Because the loan amount is limited to the car price, excluding other insurance premiums and service fees. The service fee for the loan to buy a car is the agency fee, which is the fee charged by the seller to assist in the loan.

The service fee is actually the financial service fee charged by the dealer when the consumer entrusts the dealer to handle the loan formalities. This financial service fee is set by each dealer, so it cannot be included in the loan.

Other brief introduction about auto loan.

Auto loan application conditions:

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.

(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

(5) Car buyers are willing to accept other conditions deemed necessary by the bank.