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Is it necessary to repay the loan by sticking the car film?
No need.

Whether it is a full loan or a loan, you can put a film on it, but you must change the card first. Whether you buy a car in installments or in full, it is your own business. One thing to note is that it is ok to put a film on the car, but the light transmittance of the film must reach 70%, otherwise the car inspection will fail after the end of three inspection-free periods.