In recent years, people's recognition of joint-stock banks is getting higher and higher, and many people will take joint-stock banks as the first choice for loans. A friend asked about the car loan of Guangfa Bank. The following is to introduce the relevant content for everyone. The car loan of Guangfa Bank is a loan product specially designed to help people buy new cars. The down payment ratio for self-use cars is 20%, and that for commercial vehicles is 30%. The loan term can be up to five years, and the interest rate is charged according to the corresponding benchmark loan interest rate. The loan repayment method is flexible, and there are six repayment methods to choose from, namely: (1) average capital; (2) Weekly supply, biweekly supply, monthly supply, quarterly supply and semi-annual supply; (3) Equal principal and interest; (4) Repaying the principal and interest by stages; (5) One-time repayment of principal and interest; (6) Repay the principal in one lump sum and pay the interest in installments. In addition, you can also achieve the goal of buying a car through the consumer loan of Guangfa Bank. But the repayment pressure of consumer loans may be greater than that of auto loans. Here, I would like to introduce you to Confidence One Loan and Guangfa E-second Loan. Self-confident loan can provide you with a pure credit loan of up to 300 thousand, without any mortgage or guarantee, just provide ID card and proof of income. I am confident that the loan can be granted within one day at the earliest. Guangfa e-second loan can provide users with a provident fund loan of up to 300,000 yuan, which can be applied through online banking and mobile banking. The application conditions of Guangfa e-second loan are: (1) the age is between 25 and 55 years old; (2) Deposit the provident fund locally for more than half a year; (three) in Guangzhou, Chengdu and other cities that have opened business. Generally speaking, both the auto loan and consumer loan of Guangfa Bank can be used to buy a car, so you can choose according to your own actual situation.