Tell them to go to finance? If you are not normal at all, you can apply for a car loan card in your own bank.

Second, is the car loan arranged by the 4s shop?

Application conditions for mortgage car purchase:

Having valid identification and full capacity for civil conduct;

Can provide fixed and detailed address proof;

Have a stable job and the ability to repay the loan principal and interest on schedule;

Personal social credit is good;

Holding a car approved by the lender

Other conditions stipulated by the cooperation organization.

Third, is the car loan 4s shop helpful to you?

No. Buying a car in a 4S store can't help customers get a car loan. Because the 4S shop's job is mainly to hand over the customer's information to the bank (auto consumption finance company) and not to participate in the review of car loans. At most, it is to recommend a suitable installment loan scheme to customers according to their comprehensive credit status. Although 4S stores can communicate and negotiate with lending institutions, they can only do so. Whether the car loan can be done or not ultimately depends on the comprehensive evaluation results of the handling bank (auto consumption finance company). However, you don't have to worry too much. As long as your personal credit is good, your income is stable, and you have the ability to repay the loan principal and interest on time, car loans can generally be approved smoothly. If the customer's credit is average, you can try to find someone with good credit to guarantee your loan; Or increase the down payment and reduce the loan amount. , which will help increase the chances of loan approval. If the car loan is rejected, the customer needs to find out the problem and take corresponding measures to solve it. 4S stores can't help customers solve problems. For example, customers with bad credit can only postpone their application and accumulate more good credit first. Car loan: Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. Benchmark interest rate: according to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend.