Vehicle Loans. According to the official website of Changkuai Auto Loan, Changkuai Auto Loan cooperates with Minsheng Bank on vehicle loans. Changkuai Auto Loan is a platform focused on providing users with vehicle loans. Minsheng Bank is China’s first national joint-stock commercial bank initiated and established by a private enterprise. Banks, the two are in a cooperative relationship, and both provide vehicle loans for users to buy cars.