I don't have a formal job, but I earn more than 10 thousand a month. Can I get a loan to buy a car? I think a loan needs proof of a stable job. I don't have a formal job, but I earn more than 10 thousand a month. Can I apply for a loan to buy a car? I think all loans need a stable work certificate. Generally, you buy a car in 4S, and the salesperson can help you introduce the loan process. At present, there are about three ways: 1, and the car dealer pays by installment. Some brand car dealers will have their own financing companies to provide car loans to prospective car owners, such as Toyota Finance, which is generally not a banking business. Car dealers can give you one-year installment payment, which means interest-free, but they will charge a one-time handling fee, similar to one-year loan interest. If you need to repay in advance, this method is not cost-effective; 2. Credit card installment repayment: Some bank credit cards can be used to buy a car, and installment repayment can be set, but there are not many models that can be purchased, which are interest-free but also require a handling fee; 3. Bank loan: This method depends on the loan method of each bank. A) Mortgage method: generally, real estate is used as collateral, and the loan period is generally five years at the longest. The loan amount is generally 50-70% of the assessed value of the collateral (depending on the collateral) and 70-80% of the car value. B) Guarantee method: Generally, it is guaranteed by a guarantee company (a guarantee company designated by the bank). In addition to the guarantee fee, the bank also pays the loan interest, and the purchased car is mortgaged to the guarantee company. Moreover, the guarantee company will charge a deposit of 3,000-5,000 yuan, and also require your car to be equipped with GPS to track the whereabouts of the car at any time. The GPS fee is about 3,000 yuan, and this method can only be used for 3 years. C "personal or legal person guarantee. At present, few banks accept such guarantees. Please consult your local bank for details. If my answer is useful to the landlord, please adopt it! @20 19