Is the loan for spare tire and good car formal? The spare tire platform is a conventional used car platform. If you plan to buy a car with a loan, please go through the normal procedures. The correct process is as follows: 1. Consulting bank. 2. Find a formal lending institution. As long as it is a formal institution, there is generally no charge in the early stage, and the next payment will only charge the inspection fee and guarantee fee, which belongs to the normal category. 3. If the loan institutions that need to repay in the early stage need to be cautious when the interest rate is lower than or higher than the market, and there are many financial companies, they can consult each other and be prepared. The procedure required for loan preparation is: 1. Personal valid identity card, including household registration book. If you are married, you need to provide proof of spouse identity. 3. The car dealer shall issue a letter of intent to buy a car. 4. Provide personal income certificate and family income or property certificate when necessary. 5. If the purchased vehicle is secured by means other than mortgage, relevant guarantee materials shall be provided. 6. If the vehicle purchased by the loan is a commercial vehicle, relevant certificates that the purchased vehicle can be legally used for operation shall also be provided. When buying a car, in addition to complete procedures and accidents, you need to have a complete understanding of vehicle identification. If you buy an accident car or a water bubble car, you need to polish your eyes.