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1. What are the loan channels?

1. Offline loans: Traditional loan channels originate offline. When there is a demand for loans, the first thing everyone thinks of is the major banks. Loans in banks are safer and are the loan channels for many people. In addition to banks, offline lending institutions also include small loan companies, small and medium-sized financing guarantee companies, third-party financial institutions, etc.

2. Online loans: In addition to traditional loan channels, there are many online channels where you can apply for loans. P2P was established for the relationship between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts, and runaways. Internet finance does not have a fixed investment group, which can effectively solve the security of platform operations and protect the interests of investors. In addition to online loan platforms, traditional financial institutions have also opened online loans, and there are more and more online loan options.

3. Mobile loans: There are many loan APPs now. Netizens only need to download the relevant APP and fill in the relevant information according to the prompts to get a loan. This type of loan is usually a small loan and is disbursed quickly.

2. What are the car finance loan channels?

1. Traditional bank loan: Bank loan is considered a traditional loan method. After all, it is a bank. There is no need to worry about arbitrary charges or unfair terms, and the interest rate is also low. However, the disadvantage is that the approval procedures are relatively cumbersome, the requirements for lenders are very high, and the process is quite torturous.

2. Credit card loan: Credit card loan means that the bank provides a certain amount of credit based on the credit status of the credit card holder, and the card holder can use the credit card to make purchases.

3. Automobile manufacturer finance company loans: Automobile finance companies refer to non-bank financial institutions established with the approval of the China Banking Regulatory Commission to provide financial services to automobile buyers and consumers in China. The General Motors Financial Corporation loan is one of the more representative ones. The advantage is that the approval speed is faster and the requirements for the lender are not very high.

4. Internet financial loans: Speaking of fast approval, Internet financial loans must be the most popular loan methods in recent years. Although the loans are fast, the corresponding interest rates are also high.

5. Financing lease: Financing lease is a method that relies on cash installment payments. On this basis, it introduces the feature of separation of ownership and use rights in leasing services. After the lease ends, the ownership is transferred to the lessee. modern marketing methods. Car financing leasing involves close cooperation between automobile manufacturers, banks, insurance companies, franchisees and customers.