Now there are two main channels for phased planning, one is. This is a bank loan. If you are optimistic about the model and then apply for a loan line from the bank, you need to provide work certificates, running water, identity certificates and good credit information. Second, it is credit card installment. Now many credit cards have car installment business, such as CCB, Xingye and China Merchants Bank. If you have the above credit cards, you can directly apply for the quota, which is simple and quick.