(1) To apply for a car loan, loan first and then choose a car;
(2) Buy a car by credit card in stages, choose a good model, then ask for an increase in the credit card limit to pay the fare, and then repay it monthly;
(3) You can also go to a car dealership to choose a car, and then apply for a car loan from an auto financing company, but there may be vehicle type restrictions;
(4) You can also go to a financial leasing company, that is, someone else buys the car first and then gives it to you. You pay back the money regularly until you pay it off. This car is yours, but it's actually a car mortgage.
Personally recommend car loans, with fewer types of cars and more interest conversion. Note that there are some cars with zero down payment and zero interest rate on the market, but in fact, either the car price itself is high or the model is overstocked.
Generally, I want to apply for a car loan. I prefer two ways: personal credit loan to buy a car (unsecured and unsecured, which generally requires good credit and stable work income), or real estate mortgage loan to buy a car (using real estate as collateral). Personal credit loans to buy a car can generally be borrowed for 5 years, with a down payment of more than 30%. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%.
Conditions of general car loans
(1) has valid identification and full capacity for civil conduct;
(2) Can provide a fixed and detailed address certificate;
(3) Have a stable occupation and the ability to repay the loan principal and interest on schedule;
(4) Personal social credit is good;
(5) Holding a car purchase contract or agreement approved by the lender;
(6) Other conditions stipulated by the Cooperation Organization.
Application materials for ordinary automobile loans
(1) Original ID card, household registration book or other valid proof of residence, and provide its copy;
(2) proof of occupation and economic income;
(3) car purchase agreement, contract or letter of intent signed with the dealer;
(4) Other materials required by banks or lending institutions.
Application method: Look at my reference materials (there is also a calculator that can estimate your interest, etc. )