Nowadays, the traffic in the city is more and more convenient, and many people will choose to buy a car as their own means of transportation. It is also very convenient to buy a car now. There are various types and brands of cars, and you can also choose a loan to buy a car. As long as we pay the down payment, there is not much pressure on the monthly payment. It is not difficult to buy a slightly more expensive car that we like.

Now there are several forms of loan to buy a car, such as credit card loan, bank loan and auto financing company loan. But at this time, someone will ask, which car loan is the most cost-effective? Let's take a look together.

I. Credit card loans

I believe many people will have a credit card now. The advantages of buying a car with a credit card loan are fast, simple and low threshold. When we apply for a credit card, the procedures are relatively simple and the threshold for examination is not particularly high. Many credit card products have an interest-free period, so car buyers will repay their monthly bills in full and on time, so there is no need to pay interest.

However, it should be reminded at this time that the interest-free period and the handling fee are two different charges. When handling the installment, although the bank does not charge interest, it will charge a certain fee. The handling fee varies according to the number of bills, and the expected annualized interest rate and collection method of each bank are also different.

I would also like to remind car buyers that many banks have bought their own car credit cards and car joint credit cards, and they can enjoy greater discounts and discounts when handling car loans with these credit cards.

Second, bank loans.

The minimum down payment of bank loans can be reduced to 20%, so it is called the choice of prospective car owners who buy cars with loans. In addition, the amount of loans that banks can apply for is large, the expected annualized interest rate is low and the repayment period is long. The most important point is that banks can handle car loans without the restrictions of car models and car dealers, which greatly increases the choice of car buyers. There are many benefits, but it is not so easy to approve. Not to mention a lot of materials to prepare, the most terrible thing is that it took most of the time to go through the process and still could not apply for a loan.

Three. Auto finance company loan

Not all auto brands have their own auto financing companies. There are no more than fifteen auto financing companies in China. For example, Dongfeng Nissan. The biggest advantage of auto financing companies is that they don't need to provide any guarantee from car buyers, as long as they have a fixed occupation and residence, stable income and repayment ability, and good personal credit. The loan amount is basically the same as that of the bank, and the procedures are relatively simple and the approval speed is fast. At the same time, individual auto financing companies are now flexible in repayment, and can choose the loan method that suits them according to their own financial situation.

Which platform is better in automobile mortgage? The owner misses it. These guys.

When applying for loans, car owners often consider using their own vehicles as collateral to apply for large loans. But after all, cars need to be used as collateral, and many borrowers will have some concerns. Online car loan platform is difficult to choose, which platform is good for car mortgage loan? Car owners, don't miss these!

Which platform is better in automobile mortgage?

1, 58 car loan

58 Car Loan is a vehicle mortgage loan platform under 58 Finance. The maximum application amount is 80,000 yuan, and the longest repayment period is 12 months. The borrower needs to provide the registration certificate and driver's license of the certified vehicle before applying. Don't want a car or a card, but the value of the car can't be less than 1.2 million yuan.

2. ICBC personal car loan

China Industrial and Commercial Bank's mortgage loan product is a regular bank's automobile mortgage loan, which is issued to customers who apply for buying their own cars. The loan model can be divided into "direct customers" and "indirect customers", that is, first apply for a car loan from ICBC and then go to the dealer to buy a car, first go to the dealer to buy a car and submit the loan application materials, and then the dealer forwards it to ICBC for approval.

The maximum loan amount can reach 80% of the car purchase price, that is, the minimum down payment is 20%, and the longest loan period can be divided into five years. The minimum loan interest rate shall not be lower than the loan market quotation in the same period, that is, the LPR interest rate.

3. Alipay Auto Finance

Alipay has many small loan products, and Alipay auto finance is one of them. Alipay Auto Finance is an auto mortgage platform under the Ant Group. As long as the borrower has a car under his name, he can authorize Alipay and then apply for a car mortgage. The maximum loan is 300,000 yuan. Although it is automobile mortgage, it does not pledge cars and certificates, but applies for loans with the credit of the owner.

The above is the related content sharing of "which platform is better for auto mortgage loan", and I hope it will help everyone!

What kind of car loan is good?

Which platform is good in automobile mortgage?

1. Safe car owner loan

The owner of the loan is a car mortgage owned by Ping An Bank, and the qualification requirements for users are not strict. When applying for a loan, users don't need a car or a card, but only need to provide a car insurance policy to apply directly. Users can apply for loans up to 80% of the vehicle value.

According to the official staff of the owner's loan, as long as there is no problem with the information provided by the user and the user meets the loan application conditions of the owner's loan, he can receive the loan as soon as possible.

2.JD.COM automobile loan

JD.COM car loan is a loan product of Jingdong Finance, and users can apply directly in Jingdong Finance. Users who want to apply for car loan in JD.COM need to be 18-60 years old, non-university students, and their personal credit information has no serious credit stain.

Of course, the age of the car mortgaged by the user must be between 1 and 12 months, and the mileage must not exceed 65,438+10,000 kilometers. The maximum amount that users can apply for is 90% of the value of the mortgaged vehicle. If the information provided by the user is correct, you can receive the loan as soon as possible.

If there is demand, I suggest you use 360 IOUs, which are based on 360 big data, and then comprehensively evaluate the user's credit. Finally, on this basis, you can provide users with instant consumer loans. The maximum loan amount is 200,000 yuan (click the official free amount), and the daily interest rate is as low as 0.03%. It has the characteristics of simple application, low interest rate, fast loan, flexible repayment, transparent interest and expenses, and strong security. Tips: The above information is for reference only, and no loan suggestions are made. In the process of online lending, we must pay attention to risk prevention. In order to ensure the safety of funds and prevent routine lending, it is recommended that you choose a formal bank or a formal lending platform according to your own judgment after a comprehensive understanding, and lend reasonably according to your actual situation.

Which platform is good for car mortgage?

The platforms with lower car mortgage interest rate include Ping An Bank car loan, Industrial and Commercial Bank car loan and rural commercial bank fast loan.

1, car loan from Ping An Bank

Ping An Bank's car loan products have been well received by users in the same type of products, and the loan method is also very simple. The owner mortgages his car to Ping An Bank, and then he can apply for a loan directly. The mortgaged vehicle still belongs to the owner, and only the Green Paper can be used.

The minimum loan interest rate of Ping An Bank's car loan is 4.8%, and the longest loan period that can be applied for is 4 years. The maximum loan amount that can be applied depends on the value of the vehicle itself, which is generally 70% of the car price.

When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;

4. Generally, formal product audits are strict. Although it is easy to use, it is difficult to apply, and so is money. However, the exclusive application channel paid by friends is very high, so it is the most recommended product among the products, and there is no one. Since it is recommended to everyone, let's present the exclusive application channel together, and friends in need can apply for it themselves.

Just remember to use it on the same day when you get the quota, otherwise you may get it back. Some friends have encountered this situation before, so remember.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

2. ICBC car loan

Automobile mortgage of China Industrial and Commercial Bank refers to a loan product in which the borrower mortgages his vehicle to China Industrial and Commercial Bank, and then directly obtains a loan from the bank. The loan funds can be used for various consumption and commercial purposes. The minimum loan interest rate of ICBC car loan is 4.75%, and the maximum loan amount that car owners can apply for is 70% of the car price.

3. Rapid loans from rural commercial banks

There are many products under the "quick loan" of rural commercial banks, and car loan is one of them. The minimum loan amount is 5,000 yuan, the maximum loan amount is 1 ten thousand yuan, and the loan period is 1 month to 3 years. You can choose flexible repayment methods such as equal monthly payment, unequal monthly payment and repayment of principal when due. The loan interest rate of car loan is between 4.75% and 5.8%.

What kind of car loan is the most reliable?

Now that more and more people have their own cars, it is no longer difficult to buy a car. Buying a car by loan is the first choice for young people to buy a car, but how to choose the loan channel and which car loan is more reliable is a headache.

Today, let's compare the following four ways to buy a car with a loan to see which car loan is more reliable.

First, the bank loans to buy a car

4S shops of major automobiles generally have cooperative loan banks. When you need a loan to buy a car, you just need to hand over the materials needed for the loan to the 4S shop. The materials here include personal identification, bank accounts, professional certificates, etc. Generally speaking, different banks require different loan application materials, and then you can borrow money from banks through 4S stores.

1. Advantages

A. there are no restrictions on vehicle types. No matter what kind of car, you can usually buy a car through bank loan channels.

B. the interest rate is relatively low.

C. The repayment period can be flexibly selected, and some banks can even lend for five years.

2. Deficiencies

A. the loan time is relatively long.

B. The examination and approval is troublesome, and the requirements for loan conditions are also strict. Some banks may need real estate (house) mortgage.

C. the down payment ratio is high. According to the application materials, generally only 70% of the loan can be applied.

Second, the auto financing company loans

Nowadays, automobile brands generally have their own financial companies, such as Toyota's financial company and Volkswagen's financial company. Just like a bank loan, you just need to give the materials needed for the loan to the 4S shop.

1. Advantages

A. There are often promotional loan activities with zero down payment and zero interest. However, such activities are generally limited and have no continuity.

B. There are relatively few intermediate links for loans, and the threshold is relatively low.

2. Deficiencies

Loans are only provided to brands or designated models.

Third, credit card loans to buy a car.

Car buyers only need to have a credit card and then apply for a loan directly from the bank. If there is no credit card, many 4S stores now offer credit cards to buy cars. If the applicant's credit status is good, it can be done in a week or so.

1. Advantages

Simple procedures and short approval time.

2. Deficiencies

A. The repayment period is relatively short, generally the longest is no more than 3 years.

B. the requirements for the applicant's past credit are relatively high.

C. Loans from other financial institutions

The above methods are the mainstream channels for car loans. Besides these, there are many other loan channels, usually smaller financial institutions. The main feature is that the loan threshold is very low and the approval is simple, but the handling fee and interest will be higher.

The introduction about which car loan is good and which car loan is good ends here. I wonder if you found the information you need from it?