Generally, car loans can be borrowed for three years, and the longest loan can be five years.

Conditions for applying for a loan:

First, they are 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);

Second, it has valid identification, fixed detailed address and full capacity for civil conduct;

Third, personal legal assets with stable legal income or sufficient to repay the principal and interest of loans;

Fourth, personal credit is good;

Fifth, you can pay the down payment stipulated in these measures;

Sixth, other conditions required by the lender;

Seventh, at least 25-55 years old;

Eighth, have a stable work unit;

Tenth, have worked continuously in this unit for 6 months.

Extended data:

Consumers must pay attention to three points when buying a car with a loan:

First, after enjoying the "zero-interest loan" from the merchants, can you still enjoy the preferential price of the car?

Secondly, the car loan cost in the market a few days ago was in the range of 4%~7.5%, whether the interest was exempted and the cost was increased;

Third, the general car purchase interest rate is charged according to the bank's benchmark interest rate. Whether the handling fee is exempted or not, the interest will rise on the basis of the bank's benchmark interest rate.

Therefore, the most important thing in car loans is to shop around. Consumers should choose a regular auto loan service company with certain qualifications and strength, which not only provides standardized services and charges, but also will not leave you with hidden dangers.