In order to confirm the borrower's repayment ability, the lending institution will require the borrower to issue a work certificate before handling the loan. However, many employers will not easily give employees such proof materials. Then, if the borrower does not have a work certificate, can he still borrow money to buy a car? Let me introduce you.

In fact, you can apply for a loan to buy a car without a work certificate. But in this case, it is not easy to apply for a loan from a local bank, so you can only apply to a local auto financing company. Because banks have higher requirements for car loans, it is difficult to apply for car loans without work certificates.

In the absence of proof of work, the applicant is required to have an ID card, household registration book, continuous bank card flow (self-deposit or punching) in the past six months, local assets certificate and down payment certificate. With this information, you can apply for a car loan from the local auto financing company.

If the applicant is not an office worker, but a self-employed, there is no need to prepare a work certificate to apply for a car loan. Self-employed individuals need to prepare personal identity card, household registration book, business license, bank card flow in the past six months, tax payment certificate, business address certificate, down payment, etc. After preparing these materials, you can apply for a car loan at the local lending institution.

I need to remind you that when you apply for a loan through an auto financing company, the borrower needs to pay a relatively high fee. I suggest you choose carefully according to your actual repayment ability.

2. Can I get a loan to buy a car only with proof of income?

You can borrow money to buy a car, but not all 4s stores support it.

Some 4s stores will join hands with some industries or companies to engage in activities. As long as you prove that you are an industry or a company, you can only provide proof of income to buy a car.