Of course, some people have successfully released CreditEase car loans. Yixin Auto Loan is a leading Internet auto finance platform in China, which is jointly invested by Easy Car, Tencent, JD.COM and Baidu. It is located in more than 300 cities across the country and has more than 65,438+00,000 professional financial service consultants.
However, some people failed to release the vehicle. For example, after paying off the loan, they can't take the green book to the vehicle management office to put the car. Generally, you can get the Green Paper back when you pay off the loan, but there have been cases in which Yixin Auto Loan Company did not return the vehicle registration certificate.
As for how easy it is to get a green copy of Yixin car loan, many people on the Internet can't get their motor vehicle registration certificate for a long time, but you don't have to worry. If this happens to Yixin car loan, you can communicate with the business personnel of Yixin car loan first to see why you don't return the motor vehicle registration certificate. If it's not your own fault, you can take other ways to safeguard your legitimate rights and interests through negotiation, such as complaining about a platform or.
Some people complained about Yixin's car loan, which was handled reasonably and returned to the Green Paper. In addition to the seizure of the Green Paper, some people have encountered cases in which Yixin Car Loan has tampered with the contents of the contract privately. Later, the owner found that the loan amount increased, so the interest would also increase.
Gao Shen Yixin's car loan debt?
Of course. If there is a stain on everyone's credit report, after the stain is automatically eliminated, there is a chance to pass the approval of Yixin car loan. In fact, the online car loan platform is not only Yixin car loan, but also many distinctive car loan platforms for everyone to choose from. Try to increase your down payment ratio, which can not only save interest, but also improve the loan pass rate, so that high-debt car loans can also pass.
How long does it take to get a car loan from Yixin? This speed is exciting!
With the rise of Internet finance, there are more and more types of loans that people can apply for through the Internet. Now some people will buy their own cars through online lending platforms such as Yixin Auto Loan. But ... when people apply for a car loan through the internet, they are always worried about the slow speed of the loan. Today, I would like to introduce to you how long it will take to get a car loan from Yixin.
According to the official disclosure of Yixin car loan, Yixin car loan can be released as soon as the day. If the loan approval result is received in the afternoon, the loan can be released the next day. After Yixin car loan, everyone can pick up the car directly.
Although the speed of Yixin car loan is relatively fast, everyone should pay attention to some details.
1. When submitting a loan application, everyone must pay attention to checking the personal application materials to ensure the authenticity and validity of all materials. Don't cheat in order to pass the audit smoothly.
2. If you apply for a self-operated loan from Yixin Auto Loan, then personal credit is very important. Generally speaking, the better the personal credit, the faster the loan time. So don't overdue the loan for a while before.
3. CreditEase car loans may be audited by telephone before lending. Therefore, everyone must ensure that their mobile phone numbers can be used normally and answer the phone calls of the staff of Yixin Car Loan in time.
I want to remind you that if you haven't received a reply from CreditEase after waiting for 2-3 days, you should take the initiative to get in touch with CreditEase's customer service to reflect your situation.
Is it easy to approve car loans?
Auto loan approval is the same as other loan approval. Whether it can be approved depends mainly on the qualifications of the loan applicant. Theoretically, as long as users meet the application requirements of loan products, it is relatively easy to pass. But overall, the application threshold of car loan is higher than credit loan, but lower than mortgage loan. Applicant 18 years old or above, has a stable work unit and income source, personal debt ratio is less than 50%, no bad credit record, and the probability of obtaining a car loan is high. The reasons for the passing and failure of car loan are: the buyer's repayment ability is insufficient and the repayment will is unstable. 1. The repayment ability is weak. The management will evaluate the repayment ability of customers through their income level and liabilities. Customers are generally required to pay their wages to the bank. If the evaluation is unqualified, it proves that the loan will be rejected. Therefore, when the mortgage specialist collects information, if he finds this problem of the customer, he should ask the customer to supplement other income certificates or asset ownership certificates in time to improve the customer's qualification and loan pass rate; This job is unstable. Most employers usually require their customers to have a stable job, because a stable job means a relatively stable income. If the customer is a freelancer, with high or low income and frequent job changes, it is difficult to obtain loan qualification. Of course, different employers have different evaluation conditions for job stability. 3. High debt ratio. Debt ratio is also an important factor for employers to evaluate customers' repayment ability. If the debt ratio is too high, the loan will naturally be rejected, because there is a high risk that the customer will not be able to repay. Taking banks as an example, it is stipulated that the total monthly repayment of loans by customers is higher than 50% of the monthly income of customers, and it will not be approved. Doubt about the purpose of buying a car is the so-called earmarking, and financial institutions also need to confirm whether consumers have a clear purpose and willingness to buy a car, otherwise it will bring the risk of overdue or default. 1. Except immediate family members and spouses, you cannot apply for a loan on the grounds of buying a car for others. For example, consumers say that they are boyfriends or cousins who buy cars, and financial institutions will refuse to lend money because of the risk of default; 2. The price of a new or used car is 20,000 to 30,000 higher than the guide price or market price. Even if consumers lose their minds at the beginning of buying a car and buy a car, will they suddenly wake up and feel that the car has sold tens of thousands more? Even if the financial institution takes back the car and sells it in the second-hand market, it will not make up the loan amount. Similarly, if the car condition is obviously bad, financial institutions mortgage assets with distorted values; The customer service called the consumer and the consumer didn't know anything.