You can apply for a car loan without a credit card. Individuals who apply for car loans from local banks or auto financing companies do not need to provide credit cards, so individuals can apply for car loans directly as long as they meet the relevant conditions of car loans. \x0d\ However, if an individual wants to buy a car by installment with a credit card, he/she needs a credit card. To purchase a car by installment with a credit card, you need a credit card from a cooperative bank of auto merchants, and the applicant needs to prepare a down payment of not less than 30% of the total purchase price. \x0d\ Therefore, no matter whether an individual wants to apply for a car loan to buy a car or wants to use a credit card to buy a car in installments, if there is no credit card at present, he can do it. Before buying a car with a loan, you can consult the local lending institution according to your personal situation to understand the relevant requirements of car loan. \x0d\ In addition, after the borrower successfully obtains the loan, he must remember to repay it in full and on time every month, otherwise the overdue period will seriously affect the borrower's own credit record.