1. First, choose a reputable bank or financial institution to know the details of its loan products, including interest rates, repayment methods and application conditions.

2. After negotiating the car payment and direct discount with the car dealer, submit the loan application to the bank or financial institution, and provide the required information and supporting documents.

3. The bank or financial institution will approve the loan according to your credit evaluation and financial situation. After the approval, the loan amount will be directly remitted to the car dealer's account to complete the car purchase transaction.