1, go to the dealership to choose a car first. The interest rate of buying a car by credit card loan is relatively low, and some people with low income may wish to choose credit card installment payment when considering how to borrow money to buy a car. Generally speaking, to choose credit card installment payment, consumers need to have good credit and repayment ability, and can only choose specific models specified by automobile sales companies. Not all models are suitable for credit card installment payment.

2. Prepare to buy a car. Although the down payment ratio of credit card installment car purchase is at least 30% of the bare car price, not everyone can get 70% of the loan amount. Generally speaking, the card bank will give you an appropriate loan amount according to your personal qualifications. Therefore, before deciding to choose the credit card installment purchase method, the cardholder should call the bank to find out his credit limit.

3. Let's talk about the car price first. The cost of buying a car by installment with a credit card is exactly the same as that of buying a car in cash except for a part of the handling fee. Cardholders can first negotiate the car price with the car 4S shop or participate in the dealer's market preferential activities, and then apply to the bank for credit card installment car purchase.