1. How long does it take for a 4S store car loan to be approved? How long does it take for a 4S store car loan to be approved?

Nowadays, many consumers choose to take loans to buy cars. Many people are anxious to know how long it will take for a 4S store car loan to be approved after applying for a loan. How long does it take for a 4S store car loan to be approved? How long does it take to get the loan? Generally speaking, if you apply for a loan from a bank, it will take 1-3 working days as fast as possible, or as long as half a month if it takes longer. If it is a car finance company, the loan approval will be faster.

The process for general consumers to apply for a car loan is as follows: 1. The consumer signs a car purchase contract with the car dealer; 2. The borrower applies to the lending institution for car loan business; 3. The lending institution contacts the borrower after investigation The borrower signs the contract; 4. The borrower goes through the car notarization, mortgage and other procedures; 5. The lending institution will process the loan after passing the review; 6. The borrower pays off the debt within the time limit, and the bank cancels the pledge certificate and returns it to the customer.

The approval may not be approved under the following circumstances: First, the individual has a bad credit record. If you are married, one of the parties has too many bad credit records and the approval may not be passed; second, the current If there is too much debt, generally if the debt exceeds 50% of the car payment, there is a high chance that the vehicle will not be approved; thirdly, if the price is increased or false information is provided, the application is likely to be rejected.

Since banks and credit card installment loan thresholds are relatively high, the loan investigation and review will be stricter, so the issuance of car loans will take a longer time. The review requirements of auto finance companies are slightly looser, so the approval is faster. As for the question of whether you can pick up the car on the same day as the mortgage down payment, it is generally not possible because the document approval takes 2-3 working days, and the longest can be one day. It will be completed within a week. Of course, it is also possible to pick up the car on the same day as the full purchase price.

2. How many days does it usually take to buy a car with a bank loan

Half a month to a month

3. How long does it take for the car loan bank to notify you of the result after a phone call?

Be quick and you will be right. This has something to do with banking, personal credit, repayment ability, etc. The purpose of the bank is to confirm the authenticity of the information submitted by the borrower. If the information the bank learns through a telephone return visit is inconsistent with the borrower's character and situation and the information provided by the borrower, at least the loan will be bumpy, or at worst, the loan will be aborted. In addition, you should answer the questions carefully. In the process of answering, you can give more hints, such as hinting that you have sufficient repayment ability and willingness. Try to leave a good impression in the mind of the loan officer, which will be very beneficial to the applicant when reviewing the loan. The bank's telephone return visit is actually very important. It also has a certain impact on whether the borrower can successfully obtain a loan. It is recommended that you pay attention to it.