2. The bank shall review and approve the materials. After submitting the application, the bank will promptly notify the eligible borrowers to fill in the corresponding loan application form.
3. Notify the borrower to sign the loan contract;
4. Banks issue loans. What needs to be noted here is that the money is directly credited to the account of the 4S shop instead of its own account, and the bank will only provide the lender with the car bill;
The lender pays the down payment in the auto shop, submits the passbook and the bill of pick-up issued by the bank, and then can drive the car home.
merits and demerits
Advantages: you can apply for it at the dealer, and you can omit the intermediate link of the formalities; The loan threshold is low, so you can choose some flexible and low-interest repayment methods.
Disadvantages: basically only the designated vehicle business of this brand and related brands is provided; The loan term is longer than the credit card; The normal car loan interest is higher than the bank loan in the same period, and the approval is strict; There are many charging items for hitchhiking, and it has not yet entered a benign promotion mode.