If the car loan is rejected, you can try the following methods.
Second, the specific analysis
1. Car-changing lending institutions Different lending institutions have different efforts in car loan review. Some lending institutions are very strict in reviewing car loans. For example, when they apply for a car loan in a bank, they need to meet the corresponding conditions. However, some institutions are not so strict in auditing. For example, if they apply for a loan from the manufacturer's finance, as long as their qualifications are not too bad, they may still succeed.
2. Try to increase the down payment ratio. When the car loan is rejected, you can try to increase the down payment ratio and reduce your dependence on the mortgage amount. In this case, lending institutions will have less concerns and can improve the pass rate of car loans. However, increasing the down payment ratio has certain requirements for economic ability.
Of course, applying for a car loan in this way ultimately depends on the audit results of the lending institutions.
3. Find a personal loan guarantee. If the lending institution has concerns about its own qualifications and refuses to pay, in this case, it can find some third parties with excellent qualifications to guarantee itself. Because the guarantor will be jointly and severally liable for repayment, the loan institution will lower the requirements after the guarantee is successful, so as to facilitate the smooth completion of the installment car purchase business.
However, the guarantor needs to bear joint and several liability for repayment, so the qualification of the guarantor needs to be excellent. After applying for a loan in this way, you need to keep a good repayment record. Once overdue, it will not only affect itself, but also affect the guarantor.
4. Further improve the loan information. Sometimes the car loan may be rejected because there is something wrong with the loan information submitted. If the information is wrong or omitted, it can be corrected or supplemented according to the requirements of the lending institution, and then the car loan application may be passed again.
5. Buying a car with a lower total price can reduce the dependence on car loans. Even if there are some problems in qualifications, as long as other aspects meet the requirements, there will generally be no problems.
6. Provide other collateral. You can provide other collateral to the lending institution. If lending institutions can accept loans in this way, there will be a credit situation that lending institutions will not be too worried about, which is conducive to the issuance of loans.
7. Increase the number of * * * lenders. For example, if a husband and wife buy a car by stages, if one of them has credit problems, they can use the party with better qualifications as the main lender or * * as the lender to apply for a car loan, which can also improve the pass rate of car loans.
8. Extend the loan term appropriately. General car loans can be applied for up to 5 years. If it is the repayment pressure that lenders are worried about, then the term of car loan can be appropriately extended, which will reduce the monthly repayment amount and improve the pass rate of car loan.
9. choose to buy a car in full. If the car loan application is really unsuccessful, then you can also buy a car in full, but this requires more financial strength for you.
It can be seen that after the car loan application is rejected, you can still try these methods to buy a car, and you can choose the one that suits you best according to your actual situation.
You can get the online loan big data report from the platform of "Xiaoqi Credit Information", which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.
Third, where can I complain when I pay off my car loan and get the green paper fee of 300?
If 300 yuan is charged when paying off the car loan and getting back the vehicle registration certificate (commonly known as the "Green Paper"), you can report the complaint to the local CBRC and contact the local financial office and the industrial and commercial administration department.
It should be noted, however, that if 300 yuan's fees are agreed upon when handling the car loan and signing the contract, the money may not be refunded.
Some will find a 4S shop to apply for agency loan service, so the bank (auto consumption finance company) will mail the loan settlement certificate and vehicle registration certificate to the 4S shop first, and then the 4S shop will send the vehicle registration certificate back to.
Because agents understand the charges, 4S stores will naturally charge a certain service fee.
If you go to the DMV in person, there is no charge.
It is suggested to read the terms carefully when signing the loan contract and make clear the collection of various fees. If you see that the charges are unclear, you can also raise an objection directly to avoid being charged blindly and causing personal money losses.