1. Credit card installment loan. Credit card installment payments must be made with designated car dealers, and the loan period cannot exceed two years at most, which has its limitations; the interest rates of car finance loans are high, generally one to two percent higher than bank loans; in comparison, bank loan interest rates Low, the loan period is long, up to 5 years, and the minimum down payment ratio can be reduced to 20% depending on the situation.

2. Bank loan. Bank loan models generally include the following. In the traditional car loan business, customers who choose the "direct customer" business can go to the bank to get a loan first and then buy the car; there is also the consumer loan business, which only needs to mortgage the property with the bank. Obtaining a loan can be used to buy a car; there is also a credit loan business, which is currently carried out in a small number of banks. As long as the working class with a stable job can apply for a sum of money for consumption, buying a car is also in. Some banks have special discounts for jobs such as civil servants, with high loan amounts and convenient repayment.

3. Loans from automobile financial institutions. Auto finance loans refer to non-bank financial institutions established with the approval of the China Banking Regulatory Commission to provide financial services to car buyers and consumers in China.