If you don't have a job, you can apply for a car loan, but the borrower needs to have enough personal legal assets to repay the principal and interest, and can provide effective personal identity information and the central bank has a good credit report.

Generally, the repayment period of car loans is relatively short, up to three years. Therefore, the pressure on car owners to repay loans every month may be greater. When banks or lending institutions examine the qualifications of car loans, if the borrowers are unemployed, the approval rate will be greatly affected. At this time, additional financial support is needed.

Second, can no unit apply for a car loan?

Yes, many car dealers now like car owners to handle car loan business.

3. Can I get a loan to buy a car without a job? These methods may be solved!

It is very simple to apply for a bank loan now, and you can do it by mobile phone, online and over the counter. Among them, car loans still need to be handled by myself in the bank. Some friends are worried that they can't get a car loan without a stable job. Let's talk about the relevant content today, hoping to help everyone.

1. credit card installment If you are temporarily unemployed and have applied for a credit card before, you can apply for a car loan by installment with a credit card. Now many banks offer credit card loans and installment payment services. After the approval of the bank, it is convenient to divide the approved amount into several installments, and the cardholder needs to repay the loan on time within the agreed time limit and pay a certain formalities fee. It doesn't matter if the mortgage loan doesn't work. If there are cars, stocks, real estate and other items in the name, they can all be used as mortgages, and the mortgage loan amount is high. Some can even buy a car in full and repay it in installments. 3. Guaranteed loan When you have no real estate mortgage and need to buy a car urgently, you can find a reliable guarantor to lend you a loan. As long as the guarantor meets the relevant loan conditions, the applicant can get a loan. 4. auto finance now, in order to sell cars as soon as possible, 4S stores will be more relaxed in reviewing car buyers' loans, especially auto finance loans. As long as the user is a local or has lived and worked in the local area for several years, his personal credit is good and he has no job, and he can pass the customs by providing certain economic certificates. In short, the approval of car loans is relatively loose, and it doesn't matter if you don't have a job. As long as you prove that you have enough financial resources, guarantee repayment ability and good personal credit, then there is no problem.

4. Can I borrow money to buy a car without a job and a real estate license? What materials are needed? Be specific?

Most car loans don't need real estate license, just prepare the required materials. Only a few car loan companies need real estate licenses, and the review is very strict; You can shop around and find the company loan that suits you best. Requirements for obtaining a car loan:

1, with full capacity for civil conduct.

2. Have permanent residence and valid residence status in the region.

3. The vehicle mortgage lender must have a fixed unit occupation and long-term stable income.

4. The vehicle mortgage lender has no bad criminal record and loan credit record, and the social credit is good.

5. The age of the vehicle mortgage lender is 22-55 years old, and the female is no more than 50 years old. Extended data:

Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest. Application materials 1. Original identity card, residence booklet or other valid residence certificate, and provide a copy thereof; 2. Proof of occupation and economic income; 3 car purchase agreement, contract or letter of intent signed with the dealer; 4. Other documents required by the cooperation agency. After you have provided these procedures for buying a car by mortgage, you need to meet some other conditions before you can apply for buying a car: 1. Having valid identification and full capacity for civil conduct; 2. Can provide a fixed and detailed address certificate; 3. Have a stable occupation and the ability to repay the loan principal and interest on schedule; 4. Personal social credit is good; 5. Holding a car purchase contract or agreement approved by the lender; 6. Other conditions stipulated by the Cooperation Organization.