1, try to find a bank to apply for a car loan.

You can apply for a car loan from the bank or the local auto financing company. In most cases, the expected annualized interest rate of auto loans applied by banks is lower than that of auto financing companies, so the loan interest rate is naturally lower.

2. Choose different ways to buy a car

If you buy a car with a loan, you can also choose a credit card to buy a car. Moreover, the requirements for credit card installment purchase are relatively low. As long as the applicant has sufficient down payment and repayment ability and a good credit record, he can apply. Buying a car by credit card in installments will not generate interest, only a certain handling fee is required.

3. Choose different repayment methods.

The repayment methods of auto loans mainly include matching principal and interest and average capital, and matching principal and interest is the most common one. But we should know that under the same loan amount, fixed number of years and expected annualized interest rate, the repayment method in average capital will pay less interest.

Through the above introduction, I believe everyone has a certain understanding of how to handle car loans to save loan interest to the greatest extent. I hope the introduction can bring you some help.

Which bank has low interest on car loans?

Automobile loan interest is related to many factors and can be selected according to the following points:

1. If the car loan time is less than 1 year, China Bank is preferred, followed by China Construction Bank and Ping An Bank;

2. Overall, Ping An Bank has the lowest car loan interest rate, which can be given priority;

3. Among several banks, China Construction Bank has the highest car loan interest rate; 4. China Bank's car loan conditions are harsh, and it is not necessarily the first choice.

1. The process of buying a car with a bank loan is as follows:

1. After the car buyer selects the vehicle to be purchased, he prepares relevant materials and applies for a car loan from the loan bank;

2. The loan bank conducts examination and investigation according to the submitted application materials;

3. After approval, the borrower signs a loan contract with the loan bank;

4. The borrower shall go to the local vehicle management office for mortgage registration;

5. The loan bank issues the loan, and the borrower takes the relevant certificate to the dealer to pick up the car. Bank car loan is the same as real estate mortgage loan, that is, customers can apply for loans directly from the bank while paying the down payment. Choose your favorite car and sign a car purchase contract with the dealer.

Apply for a loan from the bank, submit the application materials, and go to the bank to handle the loan business with the application materials such as identity documents, work certificates, income certificates, residence certificates, and car purchase contracts.

After approval, the buyer signs a contract with the bank, the bank lends money to the dealer's account, and the buyer pays the down payment, picks up the car and goes through the formalities of car inspection and licensing. Customers can repay in full and on time every month.

The process of buying a car with a bank loan is relatively simple. According to the above tips, bring all relevant application materials. Basically, every bank's car loan is also operated in this way, and the loan does not exceed 7 working days, so everyone needs to repay on time.

Second, the loan to buy a car need to pay attention to matters:

1, interest-free loan. Interest-free loans are a gimmick to attract consumers. They are not really interest-free, but they will charge extra.

2. Bundle consumption. Usually, there will be compulsory consumption when handling car loans in 4s, such as in-store insurance, licensing and decoration packages.

3. The word game in the loan contract. Check the loan contract carefully, and if there are unreasonable and unfair terms, insist on correcting them.

Which platform has the lowest and most formal interest in car mortgage?

There are many platforms that want to mortgage vehicles, such as: credit, CRRC flash loan, and Chebang loan.

1, on credit. Credit is a car loan APP under Ping An Bank, which belongs to Ping An mortgage car loan products. If users want to apply for a loan with their own car as collateral, they need to provide proof of marital status, loan use plan, income certificate, personal assets certificate and other related materials. The entrance to credit is also easy to find. Users can search Ping An Pocket Bank in the mobile app store, then click "My" to find a car loan, and then apply for a car loan according to the operating instructions.

Which loan platform has the lowest interest rate and is the most formal: the loan amount with money is 500,000-200,000. This is a pure credit loan product suitable for all kinds of users, and the amount can be recycled. The minimum daily interest rate is only 0.02%, and the fastest approval is 30 seconds. Age 18-55 years old. You can apply for a loan by providing your ID card and bank card.