Generally, the deposit will not be refunded. Unless otherwise specified, the lender will refuse the loan due to its own problems, and the 4S shop will not refund the deposit. In order to ensure their own rights and interests as much as possible, it is best for customers to reach a written agreement with 4S stores when paying the deposit. If the loan fails, he can refund all the deposits.

Generally speaking, the car loan review is not particularly strict. As long as there is no major problem with the lender's credit information, there will be no accidents in the loan. If you are not so confident about your qualifications, customers can also choose a financial loan from the manufacturer, and their review is more relaxed.

"Deposit" refers to a certain amount of money that one party agrees to pay to the other party as security for creditor's rights. It belongs to a legal way of guarantee, and its purpose is to urge debtors to perform their debts and ensure the realization of creditor's rights. When signing a contract, the deposit must be agreed in writing, as well as the amount and delivery time of the deposit. If the party paying the deposit fails to perform the debt, it has no right to ask the other party to return the deposit.

What's the main purpose of the loan to buy a car?

The credit investigation of car loan mainly refers to personal information, credit investigation records, inquiry records and public information. , as follows:

1. Personal information: check the lender's work, marriage, residence and real estate in recent years.

2. Credit history: For example, if it is overdue, you can see the applicant's history and current credit situation from this aspect, and understand the lender's repayment credit.

3. Credit record: mainly to check the lender's loan situation, such as loan amount.

4. Inquiry records: generally including loan approval, credit card approval, guarantee qualification inquiry, post-loan management, etc.

5. Public information: inquire whether there are records of civil judgment, enforcement, administrative punishment and telecom arrears when borrowing.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 587

If the debtor performs the debt, the deposit shall be used as the price or recovered. If the party paying the deposit fails to perform the debt or the performance of the debt is not in conformity with the agreement, thus the purpose of the contract cannot be achieved, it has no right to request the return of the deposit. If the party receiving the deposit fails to perform the debt or the performance of the debt does not conform to the agreement, it shall double the deposit.