The process of obtaining a car loan from a bank is as follows: 1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time; 2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate; 3. issue loans. The loan approved by the bank will be directly transferred to the car dealer's account by transfer according to the contract after all formalities are completed.

Legal objectivity:

Article 10 of the General Principles of Loans: In addition to entrusted loans, lenders provide loans and borrowers provide guarantees. The lender shall strictly examine the repayment ability of the guarantor, the ownership and value of the collateral, and the feasibility of realizing the collateral. After the loan review and evaluation, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.