First of all, it is necessary to know whether the beneficiary of installment car purchase is a bank or a financial institution, because many banks now have a higher threshold for car loans and more financial companies.

Secondly, the requirements for car buyers: generally have normal wage income, preferably provident fund, real estate (with property rights) or married.

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans.

First: direct bank car loan, including deposit, principal and interest, 3% guarantee fee, etc. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

Second, individual auto financing companies have to pay the above fees, as well as supervision fees, fleet management fees and warranty renewal deposits.

Third: credit card car loan, 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 in installments are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center 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.