First, book a car;
Second, submit the loan procedures;
Third, wait for qualification approval;
Fourth, pay the down payment;
5. borrow money to pick up the car. The ways of buying a car by loan are generally divided into credit card installment, auto finance company loan, bank auto loan, cooperative car loan between manufacturers and banks, and unsecured credit loan.
legal ground
Article 9 of the Measures for the Administration of Automobile Loans
The borrower applying for personal auto loan shall meet the following conditions at the same time:
(1) People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than one year (including one year);
(2) Having a valid identity document, a fixed detailed address and full capacity for civil conduct;
(3) Personal legal assets with stable legal income or sufficient to repay the loan principal and interest;
(4) Personal credit is good;
(5) Being able to pay the prescribed down payment;
(6) Other conditions required by the lender.