Big data when buying a car by installment usually refers to a third-party credit information system. The borrower's credit record is combined with big data technology. When lending, all lending institutions will check big data in the credit information system.

There are many online loans now, but few of them can access the central bank's credit information, so there is the later loan big data. If the borrower's loan big data record is poor, it may be rejected in the future.