If it is a car loan, you can directly apply for installment. For credit cards, there is a cash installment business, which can be considered as needed. When you need a loan to buy a car, you only need to hand over the materials needed for the loan to the 4S shop (such as bank running water, professional certificates, etc., and generally different banks require different loan application materials), and then you can borrow money from the bank through the 4S shop.