Like going to the bank to apply for a car loan, the security will naturally be higher.
When you apply for a car loan in factory finance, you may encounter companies with particularly high interest rates or extra charges, and some may attach some consumer loans. After all, not all factory finance is formal (please check whether the factory finance you choose has been approved by the CBRC and whether you have a financial license).
Of course, factory finance naturally has advantages, its application threshold will be lower than that of banks, and the audit may not be as strict as that of banks, so it will be easier to handle car loans.
If you want to be more secure, although banks will have certain limitations, it is still recommended to choose bank loans.
If you want to get funds faster, it is enough to choose vendor finance.
As long as the individual's comprehensive credit is good, whether it is going to the bank or the manufacturer's finance, the car loan can generally be successfully approved.
Although many online loans do not have credit information now, each small loan platform has its own third-party big data credit information platform. If a company is overdue or fails to repay the loan, then the third-party platform it cooperates with will leave a record, and then you want to apply for a loan on other small loan platforms, which is basically difficult to pass. You can get a big data report on "Xiaoqi Credit Check" to keep abreast of your big data status. It is an online loan big data query system that provides accurate and complete data information for online loan applicants.
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What does Ping An car owner loan always indicate in the application?
Ping An's car owner loan has been shown in the application, indicating that Ping An Bank has received the user's loan application and is processing the user's application, but it has not yet entered the review stage.
If it is displayed as being in application for a long time, please contact Ping An Bank actively and ask the manual customer service to inquire why the owner's loan has no loan result.
Generally speaking, the application can be completed in a few days, and it is not normal to exceed a few days.
Of course, it is not excluded that the user's application for the owner's loan is rejected, but the page has not been updated, so it has been displayed as being applied.