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 loan products are also constantly innovating. As far as car loans are concerned, car loans can be provided in all consumer loan products provided by banks, but the market share of car 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, and the pre-loan and post-loan costs that banks need to invest are high, which also makes many commercial banks not interested in this business. The emergence of a more favorable and convenient financial company, such as the loan from General Motors Finance Company, just meets the market demand. Generally speaking, the loan form of financial companies is flexible and targeted, and the loan interest rate provided by financial companies generally varies according to the number of years of car loans and 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.