Depending on where you are, you can contact the nearby 4s shop, which seems to be interest-free now.

1 species is

Pay off in 2 years, half down payment+interest 0+ handling fee 2000+.

Half of the loan and the rest will be paid in one lump sum in the second year.

1 species is

Half down payment+interest 0+ handling fee 2000+

Half of the loan, the remaining two years in installments, fixed monthly.