The interest rate of non-car loans is relatively high. The interest of non-parking loans usually consists of monthly management fees and one-time fees. For example, the loan is 50,000 yuan, the term is 6 months, the management fee is about 2.38%, and the total cost of the loan is about 8 140 yuan. In addition, the interest rate of unsecured loans usually rises on the basis of the central bank's benchmark interest rate, and the fluctuation range is generally between 10%-30%. The specific interest rate will also be affected by factors such as car age, brand, model and whether it is a local license plate. In addition, if the borrower fails to repay the loan or use the loan as agreed in the contract, the bank may impose a penalty interest, which is generally between 30% and 50%.