The formal online lending platform, loans overdue He Qi, is a shadow loan of bank credit, which will affect bank loans in the future. Once the online loan is overdue, personal credit will not work.

2. Which online loan is better to apply for if you have a car?

You mean you want a loan, but I didn't bring it for you. The man told you that he would give you a loan in the form of a car loan. Is that so?

If so, then this should be a zero down payment car purchase.

3. What does the online loan car service include?

Auto finance means that when consumers need a loan to buy a car, they can directly apply for preferential payment from auto finance companies, and they can choose different models and different payment methods according to their personal needs.

Compared with banks, auto finance is a new choice for car purchase. At present, there are five ways of personal automobile consumption loan: bank, auto financing company, auto factory finance company, credit card installment car purchase, and auto financing lease.

1, bank car loan procedures: you need to provide household registration books, real estate licenses and other information, usually you need to use the house as collateral, find a guarantee company to guarantee, and pay the deposit and handling fee.

Down payment: Generally, the down payment is 30% of the car price, and the loan period is generally 3 years. Need to pay a deposit of about 65,438+00% of the car price and related handling fees.

Interest rate: the bank's car loan interest rate is determined according to the bank's interest rate.

2. Procedures of auto financing company: The car buyer does not need to provide any guarantee, as long as he has a fixed occupation and residence, a stable income and repayment ability, and a good personal credit.

Down payment: the down payment ratio is low and the loan time is long. The minimum down payment is 20% of the car price, and the longest life is 5 years, without paying the mortgage fee.

Interest rate: The interest rate of auto financing companies is usually higher than that of banks.

Companies: SAIC General Motors Finance, Volkswagen Finance, Dongfeng Motor Finance, Mercedes-Benz Finance, Ford Finance and Toyota Finance. Procedures of finance company of automobile factory: mortgage guarantee is required for purchasing vehicles.

The applicant should have a stable occupation, domicile and repayment source, and have a good credit record.

Down payment: the minimum down payment is 20% of the car price, and the longest period is 5 years.

Interest rate: The interest rate is usually slightly higher than that of banks and slightly lower than that of auto financing companies.

Companies: SAIC Finance Company, FAW Finance Company, GAC Huili, etc.

4. Credit card installment car purchase is a credit card installment business launched by banking institutions. The credit limit that the cardholder can apply for is 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for buying a car by credit installment, and the bank only charges a handling fee. The handling fee rate is different in different installments.

5. Auto Financing Leasing Financial leasing is a modern marketing method that relies on cash installment payment, introduces the separation of ownership and use right in leasing service, and transfers ownership to the lessee after leasing.

Procedures: the threshold is low, no mortgage is needed, and non-local accounts are also acceptable.

Down payment: the down payment ratio is low and the loan time is long.

The minimum down payment is 20% of the package price (vehicle purchase tax insurance), and the longest period is 5 years. There is no need to pay the mortgage interest rate: financial leasing companies customize different interest rate schemes according to different customers and models. Usually higher than banks, but some models have manufacturers' support policies, which can reach the lowest market price.

Property right: There are two ways: direct lease and leaseback.

The property right of the direct-rental car belongs to the financial leasing company, and it will be transferred when the lease expires.

Fourth, how to use the car loan online lending platform?

Online loans that can be used for car loans; There are safe car owners' loans, thick capital finance, car loans, car loans and so on. , are all good big websites. Under normal circumstances, the mortgage car cannot be mortgaged, and the borrower must have the ownership of the car. It is necessary to provide credit materials such as ID card, motor vehicle registration certificate, driving license, vehicle commercial insurance policy, people's bank credit report and work certificate. : 1. Car loan Car loan is a mobile phone software that provides vehicle mortgage loans. As long as you have a car, you can come here to solve the problem of tight money. Convenient, safe and secure, and the user experience is very good. Second, worry-free car loan worry-free car loan is an online loan APP that does not bet on cars. It has a flexible term, fast loan and high valuation. There are hundreds of offline stores to meet your online and offline loan needs. If you have a car, you can apply for a loan from Worry-Free Car Loan. Third, Shenzhou Car Flash Loan Shenzhou Car Flash Loan is an online loan APP that can be loaned if you have a car. There is no need to borrow money at high speed. The loan amount is as high as 90% of the vehicle valuation, and the monthly interest rate is as low as 0.36%. There are wired stores all over the country, so it is very convenient to apply for car mortgage. Four. CreditEase Car Loan CreditEase Car Loan is an ultra-practical online loan APP that can be loaned if you have a car. Friends who have a car in urgent need of money can choose to lend money quickly without taking a car and provide front-door signing service. You can borrow money without leaving home. V. Chebang Loan Chebang Loan is an APP that only makes cars. The maximum loan amount of each pledged vehicle is 80% of the assessed value, which is a platform with both safety and flexibility. Six, installment music down payment This product is a newly launched product recently. It is a pure online credit loan product jointly launched by Beijing Jin Jia Data Technology Co., Ltd. and Staging Music. Down payment loans are mainly for car buyers, providing users with funds for car down payment or other car value-added services. Don't worry when you are short of money. In fact, there are many softwares that can be loaned now, because there are many online loans. But we should know that when we choose to borrow a car, we can also choose these softwares, because they are relatively convenient and simple, and routines will not exist.