1. If you buy a car with a loan, there will usually be a service charge, which is normal. So the service charge of 3000 yuan is not too much. If you buy a car in full, there is no financial service fee, but a refund is impossible.

2. If you buy a car with a loan, there will usually be a financial service fee, so it is basically 3000 yuan now. In your case, if you don't want to buy a car and need a refund, this is ok.

3. The procedure of installment payment mode is rather troublesome. The financial service fee of 3000 yuan is equivalent to the handling fee and cannot be returned after the installment payment is completed.

4. Give it a try.

5. It should be possible.