What is the process of buying a car with a credit card loan?

first, the process of buying a car with a credit card loan?

(1) file an application. After optimistic about the vehicle to be purchased, fill in the application form for automobile consumption loan and the questionnaire on credit status, and submit it to the loan bank together with the relevant certificates of personal situation. (2) The bank conducts pre-loan investigation and approval. Banks will promptly notify borrowers to fill in various forms if they meet the loan conditions. (three) notify the borrower to sign a loan contract, a guarantee contract and a mortgage contract, and go through the formalities of mortgage registration and insurance. (4) Loans issued by banks (directly transferred by banks to the accounts of automobile dealers). (5) The borrower shall pay the down payment to the car dealer, and go through the formalities of car pick-up with the passbook and the car pick-up slip issued by the bank. Measures for the Administration of Automobile Loans Article 9 A borrower applying for an individual automobile loan shall meet the following conditions at the same time: (1) He is a citizen of the People's Republic of China, or a resident of Hong Kong, Macao and Taiwan and a foreigner who has lived in the People's Republic of China for more than one year (including one year); (2) Having a valid identity certificate, a fixed and detailed address and full capacity for civil conduct; (3) Personal legal assets with stable legal income or sufficient to repay the loan principal and interest; (4) Personal credit is good; (5) Being able to pay the down payment stipulated in these Measures; (6) Other conditions required by the lender. Article 1 When granting personal car loans, the lender shall comprehensively consider the following factors and determine the loan conditions such as loan amount, term, interest rate and repayment method: (1) the lender's credit rating of the borrower; (2) loan guarantee; (three) the performance and use of the purchased car; (four) the development of the automobile industry and the supply and demand of the automobile market.

second, does it matter if you buy a car by installment with a credit card?

credit card installment loan has no effect.

if the large credit card is not paid off in installments, it will have no effect on the loan car purchase if there is no delay in payment and other circumstances that affect personal credit information.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, an application for personal loans should meet the following conditions:

(1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Extended information:

Article 13 of the Interim Measures for the Administration of Personal Loans. After accepting the borrower's loan application, the lender shall perform the duty of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application and relevant information, and form an investigation and evaluation opinion.

Article 14 The loan investigation includes but is not limited to the following contents:

(1) Basic information of the borrower;

(2) the income of the borrower;

(3) the purpose of the loan;

(4) the source, ability and method of repayment of the borrower;

(5) the guarantor's willingness to guarantee, ability to guarantee or the value of the mortgaged property and its liquidity.

Third, how to apply for a car loan with a credit card

Materials to be prepared for the loan:

1. Identity cards of both husband and wife of the borrower;

2. The borrower's household registration book/foreigner needs a temporary residence permit and household registration book;

3. Marriage certificate/divorce certificate or judgment/single certificate;

4. proof of income;