The first is the traditional car loan from the bank, which has the advantage of low interest rate, but its disadvantages are high threshold, complicated procedures and long loan time.
The second is the credit card installment of commercial banks, which has the advantages of low application threshold and convenient repayment, but its disadvantages are limited models and quotas, and there are handling fees and quotas.
The third is the auto financing company, which has the advantages of fast approval process and rich types of financial products, but the disadvantage is that the interest rate is relatively high, and it often binds other businesses with dealers.
The fourth is P2P financial platform, which has the advantages of low threshold, convenience and rapidity, and covers all types of vehicles, but its disadvantage is high interest rate. So whether it is worth it or not depends on your own actual situation.