two aspects: one is to pay by credit card. At present, many people have several credit cards on hand. If their cash or debit card balance is not enough, it is actually the most convenient to pay the down payment directly by credit card. However, the cardholder needs to remember to inform the bank to repay the loan in installments every month. It should be reminded that in the credit card installment business of most banks, car buyers are allowed to purchase cars by credit card, but some banks have special regulations. For example, CCB's Longka credit card installment payment requires the down payment to be paid by cash and debit card. The second is to apply for unsecured loans. Unsecured loans do not require personal collateral, as long as there is a running salary, you can apply, and you can lend in 1-2 days quickly and 5 days slowly. If you don't have enough cash on hand, it is a good choice to apply for an unsecured loan equivalent to the down payment to pay the down payment for car purchase. Of course, unsecured loans need no collateral, and the interest rate is relatively high. Borrowers need to carefully compare the interest differences between different lending institutions and choose their own suitable products. Seeing this, some car buyers may have doubts. Since they can apply for unsecured loans, why not directly apply for a large amount of unsecured loans and then buy a car in full, thus saving trouble? In fact, the reasons for this are also very simple, mainly due to the following considerations: First, the interest rate of unsecured loans is high and the loan cost is high. At present, the annual interest rate of unsecured loan products with slightly loose qualification requirements for borrowers is above 1%, which is generally more than twice as high as the installment fee of credit card car purchase. And those unsecured loan products with lower interest rates generally require real estate or civil servants and institutions. For borrowers, interest rate and amount are the core factors that determine the cost of loans. Under the condition of a certain interest rate, it is natural that the lower the amount of application, the less interest will be paid. Secondly, the application amount of unsecured loans is limited. Applying for an individual unsecured loan can generally reach about 1 times the monthly pre-tax salary. For example, if Xiao Wang's monthly income is 6, yuan, then the amount he can be approved will be around 6, yuan. For the whole car, there are actually not many optional models, but only low-end cars that are very introductory. In a word, in the current financial environment, if the down payment is not enough, there are actually many flexible methods, but car buyers need to pay attention to their debt level to avoid affecting their daily life.