1. In some developed areas of second-hand car trading, China Bank, China Industrial and Commercial Bank, China Construction Bank and other banking institutions have launched second-hand car loan business, but banks generally choose to cooperate with third-party guarantee companies or insurance companies, and the application threshold for second-hand car credit is much more demanding than that for new cars.

2. For example, ICBC Xiamen Branch and China PICC Xiamen Branch jointly launched the "ICBC Car Purchase" second-hand car guarantee insurance credit card car purchase installment business. Customers can choose 12, 24, and 36 installments, as well as one-time payment or monthly payment.

3. At present, the handling fee rate of 12 installment is 4.2%, and the monthly payment is 4.8%. Take the installment of 10000 yuan as an example. If monthly payment is selected, the handling fee is only 40 yuan/month.