Steps for manual repayment of Ping An Leasing:

1. You can open the Ping An Pocket Bank APP on your mobile phone and log in to your account.

2. Enter the loan page and find the car loan you applied for.

3. Then select Repayment Management and click Early Repayment.

4. Manually repay according to the prompts on the page.

If the car loan cannot be repaid manually through Ping An Pocket Bank, the customer can choose to deposit the funds to be repaid into the repayment account first, and must submit a written application and agree to repay one week to one month in advance. payment date. When the agreed date arrives, the borrower needs to bring their ID card, loan repayment application form, and early loan repayment agreement to the bank to handle repayment matters. After Ping An Bank agrees, it will deduct the funds from the repayment account to help the customer complete the repayment in advance. This can be regarded as a manual repayment operation.

Of course, if you are not in a hurry to repay the loan in advance, you only need to ensure that there are sufficient funds in the repayment account. On the repayment day every month, Ping An Bank will automatically withdraw the monthly payment from the repayment account. The amount corresponding to the monthly payment. However, you should also pay attention to whether the repayment account is always in a normal state. Otherwise, if the repayment account status is abnormal, it will affect the bank deduction.

Operating environment: Huawei nova6 5G HarmonyOS Ping An Pocket Bank version 5.4.4

General interest rate for applying for a car loan:

1. Bank car loan: Bank car loan The interest rate is usually between 5% and 12%, and the one-year loan interest rate is between 3% and 6%, that is, for a loan of 50,000 yuan, the annual interest is about 1,500-3,000 yuan.

2. Car finance company loans: There are usually some regular interest-free activities in finance company loans, but the car 4S store will charge a certain handling fee. On the premise of charging interest, the interest rate is approximately 8%-12%. If you borrow 50,000 yuan, the annual interest will be about 4,000-6,000 yuan.

3. Credit card installment: The amount of interest is directly related to the number of installments, the loan amount and the interest rate of the installment, and is usually higher.

Requirements for applying for a car loan:

1. The lender must be over 18 years old and have sufficient civil capacity.

2. The lender needs to have a stable job and financial income.

3. During the loan application period, the car buyer should deposit no less than the car purchase deposit in the bank savings counter account.

4. A guarantee approved by the lending institution is required. The lender's account is not local and a joint liability guarantee should be provided.

5. The lender may accept other conditions stipulated by the lending institution.

Generally, when applying for a car loan through different channels, the interest rates are different. Generally speaking, it is most common to apply to a bank, but the application threshold for bank car loans is higher. Although the threshold for loans from auto finance companies is lower, the interest rates are higher. Finally, as far as credit cards go, interest in buying a car on a credit card is highest, so the credit card needs to have a higher limit.