Box car is a bank-based auto finance service provider, whose mission is to make car circulation easier; Relying on the current advanced Internet technology and financial big data, we will provide you with simpler, faster, more efficient and safer financing services and be a continuous innovator in the automobile circulation industry. Headquartered in Beijing, the Internet technology team with more than 200 people in Beijing provides more concise loan application, more efficient approval speed, faster loan lending to provide technical support, and the risk control team with more than 100 people provides the fastest approval service, constantly innovating risk control technology to serve more customers; There are special account managers in more than 50 cities across the country to provide you with faster, timely and thoughtful financial services.

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1. Automobile loan involves many situations and needs specific analysis. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. Loan to buy a car refers to the loan issued by the lender to the borrower who applies for buying a car. In fact, it is to borrow money from financial institutions to buy a car. However, financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability. They have no bad credit record and must meet the requirements of financial institutions before they can apply for a loan to buy a car. Loan to buy a car needs to be repaid on time, otherwise it is easy to reduce credit and may be sued by the bank for debt collection.

2. Automobile loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called automobile mortgage. Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct. Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability. Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car. Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years. Loan interest rate: uniformly stipulated by the People's Bank of China. Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital). An auto financing or guarantee company, as a guarantor who repays the principal and interest of the loan and assumes joint liability, is a third party with sufficient compensation capacity.

3. automobile mortgage automobile mortgage refers to the loan issued by the bank to the borrower who applies for buying a car in its name, which is used to pay for the car purchased. The repayment method is to repay the principal and interest by installments. The term of automobile mortgage is generally not more than 5 years. The borrower has the repayment ability to apply for a loan. The borrower fills in the loan application form and reviews the loan: after receiving the borrower's application and meeting the requirements, the bank can quickly navigate the application process and the application materials can be paid in installments. The repayment conditions of car loan interest generally require that the borrower is a resident of the permanent residence where the loan bank is located and has full capacity for civil conduct; The borrower has repayment ability and no record of non-performing loans. Apply for a loan: the borrower fills in the loan application form and provides relevant information. Loan review: after receiving the borrower's application and the materials that meet the requirements, the bank will review the credit status, repayment ability and authenticity of the materials of the borrower and guarantor according to the regulations, and make a reply after the review.