As a car loan, SAIC loan is still a good loan. Generally, as long as the credit card has no bad record and is not overdue, it will generally pass if the information is filled in and handed over to the 4S shop. If you have a mortgage, it is easier to get a loan. If the credit card repayment record is never overdue, it can be approved in seconds.

With the increase of consumers' income and the introduction of policies to encourage automobile consumption, family cars are entering the public family at an extraordinary speed. Along with it, car loans are also constantly innovating.

As far as the current automobile loan situation is concerned, all the consumer loan products provided by banks can provide automobile loan services, but the market share of automobile consumer loans is always low. The reason is that car loans are risky and the proportion of non-performing loans is much higher than that of mortgage business.

At the same time, the amount of auto loans is relatively low, but the pre-loan and post-loan costs that banks need to invest are very high, which also makes many commercial banks not interested in this business. The emergence of auto financing companies just meets the market demand.

Generally speaking, the loan form of finance companies is flexible and targeted. The loan interest rate provided by financial companies will generally vary according to the years of car loans, and the interest rate will fluctuate according to the down payment ratio of car buyers. Of course, the usual rule is that the shorter the loan term, the higher the down payment and the lower the loan interest rate.