Generally speaking, if you apply for a loan to buy a car in a 4S shop, as long as the borrower has not been overdue for three or six times in two years, and there is no current overdue when handling the car loan, it will meet the loan conditions.

Compared with bank loans, the threshold of 4S shop loans is lower, and the requirements for credit reporting are correspondingly less strict. However, the fees and other expenses incurred during the 4S shop loan to buy a car are still not low, and you need to comprehensively evaluate your repayment ability before making a decision.