It is difficult to buy a car loan in different places. Although off-site car loans are allowed, many 4S stores are reluctant to provide such services. This is because banks or finance companies face the problem of difficulty in implementing loans in different places. In case of breach of contract or malicious breach of contract, cross-regional implementation is very difficult. Even though some 4S stores are willing to go through the loan procedures, the approval process is complicated and the relevant qualifications and procedures are strictly reviewed, resulting in a long processing time. These factors invisibly increase a lot of hidden costs, making it more troublesome to buy a car loan in different places.