Buying a car with a loan is also a kind of financial management. Some 4S shopkeepers have introduced attractive gimmicks such as 0 down payment, low interest and no monthly payment. For example, some manufacturers discount interest, and the interest is lower than that of banks. Why not get a loan? Of course, the interest is high, the handling fee is high, and various expenses are high. It is recommended not to borrow, only the total price.

Is it a pit to buy a car with a loan?

The pits for buying a car with a loan are:

1. Attract customers under the banner of "zero down payment" and "zero interest", but charge various service fees and handling fees afterwards.

2, bundling consumption, forcing customers to buy insurance, licensing, decoration in the store, and then charging a large fee.

3. The customer gave a lot of verbal promises when he bought a car with a loan, but there was no clear agreement in the contract terms, and even unreasonable terms were set in terms of interest, monthly payment and repayment period.

4. When the car can be picked up after the loan is completed, the car dealer is overdue, and the customer must pay a certain fare on the original car to pick up the car.

5. Sign a financing lease contract with the customer without the customer's knowledge, instead of a loan contract, so it is actually not a loan relationship, but a lease relationship, and there is no clear agreement in the contract to transfer the ownership of the car when it expires, but the customer needs to pay again.

6. Deceive the customer to sign a blank contract first, and wait until the customer finishes the car loan, only to find that the loan amount in the credit contract is different from the previous commitment.

7. Some car dealers obviously don't have credit qualifications, but don't tell their customers, and then take their customers to the dealers with credit qualifications to go through the loan car purchase procedures and earn the difference.

8. The car was mortgaged by the dealer for the second time, which led to fraudulent loans.

9. When signing the contract, the deposit was agreed, which caused the customer who returned the car later not to get the money back (only the deposit can be refunded).

Can I get a loan to buy a car? How to avoid being pitted?

When buying a car, many people will choose to buy a car by stages, which is also a normal way to buy a car, so it is feasible. Especially for people who don't have enough money, buying a car by stages is a very reasonable way to buy a car. But buying a car by stages also has some risks. When buying a car with a loan, you must choose a formal credit institution and borrow through normal channels. Never go to some informal loan companies for cheap loans to avoid being routine.

I want to avoid taking out a loan to buy a car. First, go to a regular car dealership to buy a car. When buying a car, we'd better go to the local 4S shop and authorized dealers to buy a car, so that there will be fewer routines and traps when buying a car with a loan. After all, a car's 4S shop and authorized dealers are relatively formal, and it is not easy to have problems with loans to buy a car; Second, look at the contract carefully. You need to sign a loan contract to buy a car. When signing this contract, we must carefully read the terms of the contract one by one to avoid being routine by the terms we don't pay attention to in the contract. Finally, pay attention to the additional terms. Many car dealers will attach some conditions when they borrow money to buy a car, which is also something we need to pay attention to. Before buying a car, be sure to ask about the additional conditions of borrowing money to buy a car, such as insurance.

First, go to a regular dealer to buy a car.

If you buy a car with a loan, you must go to a regular dealership to buy a car, so that the quality of the car is more secure. When handling loans, there are fewer routines and it is safer.

Second, the contract should be carefully read.

When buying a car with a loan, you must read the terms of the contract carefully, especially the loan terms, so as not to be cheated by some careless little conditions.

Third, pay attention to the additional conditions.

Many people will encounter additional conditions when they borrow money to buy a car, such as insurance in the store. These additional terms must be understood in advance when buying a car.

Is car loan worry-free and reliable

Worry-free car loans are reliable, because worry-free loans are a loan platform supervised by the banking regulatory bureau. As long as you have no credit, you can borrow your records if they are out of date.

Is it reliable to buy a car with Shili and financial lease loan?

Reliable.

Car financing lease is a new type of car purchase by installment. The core point is to separate the ownership and use right of vehicles. An auto financing leasing company purchases vehicles designated by customers and rents them to customers for use. After paying a certain deposit according to the contract, the customer pays the rent monthly. After the lease contract expires, the customer decides whether to acquire the ownership of the car. From the perspective of automobile consumption structure, financial leasing has become a common car purchase mode in Europe and America, but in China, this mode is still in its infancy and its market penetration rate is low. Behind the low penetration rate means huge growth potential. But before this, there are still a series of restrictive factors to be solved, such as nonstandard industry and lack of industry standards.

Would you like to ask if it is reliable to buy a car by online loan?

There are still many reliable online loans, but you should choose them carefully. After all, there are still many pits. As long as your income is stable, it is also feasible to buy a car through online loans with repayment ability. And if the repayment pressure is really high, you can also apply for a loan by car, such as a car with a good loan. But again, the loan must choose a reliable platform.