There is no service charge for buying a car with a loan. Because the loan to buy a car is only an additional service provided by the seller to facilitate the transaction, the loan itself will generate certain interest, so there is no need to pay additional service fees for borrowing a car from the bank. Generally speaking, car shops can directly act as guarantors to guarantee loans to banks for buyers without charging any service fees. However, some private car shops are not qualified for guarantee, and these car shops need to find a third party to guarantee, so the service fee is generated.