About three days, after you pay the down payment and the bank gives the car company a loan, you can pick up the car, but picking up the car requires a series of procedures and several elements. Therefore, buying a car by stages generally goes through several steps:

1. The car buyer meets certain installment payment conditions and shows relevant certificates;

2. If the bank agrees to the loan, it shall sign a vehicle loan mortgage contract, one for the bank and one for itself;

Sign a car sale contract, one for the car dealer, one for yourself and one for the bank. 4. Go through the notarization and mortgage procedures of the car; 5. Lenders (banks) handle loans; 6. You can pick up the car after the car payment arrives; 7. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer. There are many forms of payment by installment in the automobile industry, mainly including: (1) bank consumer loans; (2) Loan methods of finance companies of automobile manufacturers; (3) The financial leasing mode is mainly operated by Kaiyuan automobile brands in the market.

Second, how many days can I get the car with the loan?

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. It usually takes about a week to pick up a car with a loan. This time is calculated from applying for a loan. It takes 1 day to apply, 4 days for bank review, and one or two days to pick up the car after completing other procedures. The whole process takes about a week. Automobile consumption loan is a new loan method that banks provide RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year. Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to the above fees, the car loan of individual auto financing companies also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records. The specific steps of buying a car by credit card are roughly as follows: 1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan. 2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it. 3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance. Finally, I can drive the car away smoothly.

3. How long does it take to buy a car with a loan? Is it possible to pick up the car after the loan?

The car staging of CCB is designated by the dealer. I suggest you log in to CCB Credit Card official website to check whether there is a designated dealer nearby and whether you support the car you want to buy. In addition, not all CCB car purchase stages need handling fees, and many of them are 0 handling fees and 0 interest. You can check the credit card of CCB in official website or directly ask the cooperative dealer for details. CCB applies for car installment loans, provided that you have a CCB credit card. If not, you should apply for one first, either go to the outlet or go directly to the CCB website.

The basic process of applying for car purchase by stages is as follows:

(1) The customer first selects a car at the dealer and tests it, and negotiates with the dealer to determine the purchase price;

(2) Show your credit card and ID card, and fill in the installment payment application form;

(3) Distributor submits customer application materials to CCB;

(4) After the application is approved, the customer pays the down payment to the dealer and goes through the relevant formalities;

⑤ After receiving the dealer's notice to pick up the car, pay the final payment by credit card and pick up the car;

⑥ Repay by monthly installments through Longka credit card.

After submitting the information, you need some time to pay the down payment. After the down payment is completed, it will take some time for the credit card exclusive quota to arrive. As far as I know, it will take about 2 weeks altogether. Because there are many loans to buy a car now, the bank's monthly loan amount is not enough, so the loan time will be slightly two days later. If the exclusive quota is in place, you will be notified by SMS and you can take the car home.

4. How long can I pick up the car after the loan is passed?

Nowadays, the auto loan business between banks and auto financing companies is undoubtedly an alternative to the full amount for consumers, and more and more consumers tend to buy cars by means of loans. Then there will be consumers who want to know whether they can pick up the car on the day of buying a car with a loan. This is specific to the bank or auto finance company 4S shop to handle the process.

Under normal circumstances, you can't pick up the car on the day of the loan, because the 4S shop still needs to wait for the loan from the lending institution before the consumer can pick up the car.

After preparing the information, consumers apply to lending institutions, basically depending on how fast the lending institutions review. Due to the high threshold of bank loans and strict examination, it takes 1-3 working days at the earliest, and generally takes one week at the longest. If you buy a car in full, it is very likely that you can pick it up on the same day.

The review of auto financing companies is slightly looser, so consumers have less time to wait for loan applications. But not on the day of the loan.

Documents that must be given for the 4s loan to pick up the car: car purchase invoice, certificate of conformity, three-guarantee certificate, vehicle manual, new car delivery confirmation, etc. For details, please consult the 4s shop. Of course, you will also notify the designated place to pick up the car.