Loans to buy a car generally have interest. However, some 4s stores will launch a 0-interest loan to buy a car. Although they will not charge interest, they will charge a higher service fee. The handling fee is similar to the loan interest, but it is actually disguised interest.

If it is a bank car loan, the loan interest rate generally fluctuates on the benchmark interest rate of the central bank loan. If it is a car loan from other financial companies, the loan interest rate is generally set according to market conditions, and there is no standard.

The benchmark interest rate for central bank loans is:

1, and the loan interest rate within one year is 4.35%:

2. The loan interest rate for one to five years is 4.75%;

3. The interest rate for loans over five years is 4.90%.

1. Now interest-free or zero down payment activities are generally launched to buy a car. Now, let me tell you some precautions to prevent being pitted. Now the so-called low down payment or zero down payment is mostly a pit. Maybe when you buy this car, you will find that it is settled in the name of the company, but the car and yourself are leased and must be paid off within the specified time. If it is illegal, the car will be recycled, and the money spent before will not be recovered.

2. There are still many merchants who attract friends who want to buy a car through zero down payment, but they can't resist the temptation. After buying it, they know that the merchants will tie in high insurance, force you to take full insurance on the pretext of buying a car with zero down payment, or let you buy some specific products of the insurance company. At this time, the insurance you buy will be more expensive than other people's insurance, and it will also make you buy some insurance that is not practical at all.

3. It should also be noted that you must confirm the time and amount of your repayment. When you buy a car with a loan, you must clearly list the procedures and expenses you need. Compare more and choose the channel that suits you. Don't just look at the so-called 0 down payment, low interest, or 0 down payment, 0 interest. These are routines. Everyone must read the contract clearly.