People with poor credit cannot apply for a car loan, and even 4S stores cannot handle it. 4S stores only help customers submit their information to banks or auto finance companies, and inform customers of the review results and other matters, and cannot participate in the car loan. During the loan review process. If you have bad credit but want to get a loan to buy a car, you can try the following methods:

1. Buy a car with a credit loan. This method is for problems with credit, but the extent is relatively small. Although it will affect the loan to buy a car, the loan application will not be directly rejected. The lending institution will evaluate and review the applicant based on the degree of credit problems. If the credit card is only 1 or 2 times overdue, there will be no impact on the loan to buy a car. Excessive impact.

2. Buy a car with a mortgage loan. If you fail to pass the credit report, you can directly apply for a mortgage loan to buy a car. Obtain a loan through mortgage, but certain collateral is required. Generally, there are two main ways to get a loan to buy a car, one is through a bank, and the other is through an auto finance company. Compared with the two, auto finance companies have lower thresholds and faster review times. And if the applicant's credit report has serious stains and has been included in the credit report blacklist, he will not be able to apply for a car loan business in any bank. Therefore, it is recommended that everyone treat credit-related matters such as credit cards well to avoid being denied a loan application due to damage to your qualifications. The main content of the credit check when buying a car generally includes basic personal information (including name, gender, ID number, home address, workplace, etc.), credit card transaction information (including the user’s credit card information, loan information, and guarantee of loans for others). information, etc.), other information (such as personal provident fund, pension information, etc.).