1. The capital requirements for manufacturers are lower than those for banks;

2. Car loan is a secured loan, which is better.

3. All accounts have been settled, and there has been no new inquiry for three months (excluding post-loan management). The car loan application of manufacturer finance has a high probability of passing.

Users want to buy a car, but when the bank loan application fails because of poor credit information, they will want to buy a car under the guarantee of the manufacturer's financial/financial company. In fact, if the lender has more suitable collateral, such as real estate, it can improve the probability of obtaining loans from the manufacturer's finance.

Although 4s will also look at credit reporting, it will pay more attention to the work, income and repayment ability of lenders to a certain extent. If the lender has a good income and a stable job, the probability of getting a loan is still relatively high. However, what needs to be known is that under normal circumstances, the loan interest of factory finance will be relatively high, and lenders should carefully choose according to their own economic situation/repayment ability.

And if you really need to go to the bank for a loan to buy a car for various reasons, you can try the following tips:

1. Pay attention to the repayment time: If the overdue repayment time is within 90 days, users can try to repay and borrow again.

2. Issue an unintentional overdue certificate: Users can issue an unintentional overdue certificate in loans overdue Zhongyou Bank.

3. You can try to get loans from multiple banks: each bank has different standards for non-performing loans, so you can try to ask about loans from multiple banks.