If you apply for a smart card of China Merchants Bank, you can apply for a car loan through a savings card. If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the local personal loan department directly at the counter of China Merchants Bank to apply for a loan for you. The handling bank needs to specifically review your situation to determine whether you can handle it.