According to Pacific Automotive Network’s inquiry: Compared with buying a car with a credit card, buying a car with a loan is more cost-effective in most cases. The specific comparison is as follows:

1. Interest expense: The annual interest rate of car loans is generally around 3%-5%, while the comprehensive annual interest rate of credit card installments is generally around 9%. Therefore, the interest expense of buying a car with a loan is usually much lower than that of a credit card installment, which can save a considerable amount of money.

2. Quota and car model restrictions: There are limits on the credit card installment car purchase limit and supported car models, but there is no limit on the loan car purchase limit. Basically all car models support loan purchases. This makes car loan options more flexible and broader.

3. Handling fees and discounts: Although there is no interest for installment car purchases with credit cards, handling fees need to be paid. However, in some cases, the 4S store may bear this part of the handling fee. In addition, if you use a credit card loan to purchase a car, you can also enjoy relevant discounts and points redemption activities launched by 4S stores. But these discounts and points are usually not enough to make up for the gap in interest payments compared to buying a car with a loan.