Generally speaking, it is more reliable. You'd better read the details carefully when signing the contract. \x0d\ 1: book the car first; \x0d\ 2: Go through the loan formalities at the 4S store, including providing materials and signing loan details; \x0d\ 3: Waiting for the bank's loan agreement to the 4S store; \x0d\ After obtaining the consent form, the general 4S store will notify the customer to pay the down payment; \x0d\ The customer raises the car license; \x0d\ 4: Information mortgage bank after card processing; \x0d\ A few days after the mortgage (generally subject to the approval of the bank), the money will be paid to the 4S store.