Legal analysis: You can borrow money to buy a car without a credit card. Credit card installment is a popular way of car installment at present, but consumers can also choose bank car loans and car financing loans. Compared with other car loans, the threshold for buying a car with a credit card is lower. As long as the applicant has a good personal credit record and can provide proof of work income or property recognized by the bank, the loan can be completed within 7 working days. Moreover, there is no interest on buying a car by credit card in installments, only a handling fee, which is cheaper than ordinary loans.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 679 A loan contract between natural persons is established when the lender provides the loan.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.