First of all, you are a civil servant, and you can buy a car with a loan from any company. All that remains is interest. Let me answer the question.

1, ask a guarantee company for a loan, and usually the guarantee company will also ask a bank for a loan. Interest is the same as bank loans. They just play the role of a guarantee, usually small dealers. In this case, you will have an extra service charge. Thousands of dollars. This method is not recommended by civil servants.

2. Personal consumption loan and automobile consumption loan, you finally buy a car, so these two concepts are the same thing, that is, automobile consumption loan. It's not home appliances and decoration.

3. Buying a car by installment with a credit card is the latest automobile consumption loan method launched by the bank, which effectively prevents customers from repaying the loan in advance and causes interest losses to the bank. This interest rate is not high, usually bank interest, and it seems impossible to repay the loan in advance. Because the interest is paid in advance.

Summary: If you are a civil servant, the loan procedure should not be a problem. Try to choose a bank loan to reduce the handling fee and interest.

If in doubt, please consult the public education enterprises in China.