Apply for the program "PK" first. Banks have strict requirements on the income certificate, collateral and other assets of car loan applicants, and also need the guarantee of local citizens, real estate license and other cumbersome procedures; Relatively speaking, the standard of lending to banks or auto financing companies through 4S stores is much looser. For example, the car loan business promoted by some Buick brand dealers "does not need guarantees and local accounts", which greatly lowers the threshold. Secondly, the approval procedure "PK". The biggest advantage of lending to banks or financial companies through 4S stores, especially auto finance companies such as GM, Toyota and Volkswagen, is the speed of approval. Generally speaking, loans can be granted in about three working days; It takes a week or more to borrow money through a bank, and it will take longer if the information in the asset certificate is incomplete. Finally, there are no restrictions on the types of cars that banks can borrow, while 4S stores only provide car loan services for their models. Generally speaking, the prices of models with loans in the mainstream market are above 654.38+10,000 yuan. At present, some brands have reduced the loan car purchase price to about 80,000 yuan.