Depending on personal financial ability.

You can apply for a car loan without a credit card.

Credit card installment car purchase is currently a popular car installment method, but consumers can also choose bank car loans and car finance loans.

Compared with other car purchase loans, the threshold for credit card installment car purchase is lower. As long as the applicant has a good personal credit record and can provide proof of work income or property recognized by the bank, it can usually be completed within 7 working days. Complete the loan. Moreover, there is no interest on credit card installment car purchases, only handling fees, which is cheaper than ordinary loans.

Processing of loan car purchase procedures:

1. Pre-loan investigation. The loan applicant carefully fills out the "Pre-loan Pre-examination Form" and submits it to the bank for preliminary review.

2. The bank has initially completed the loan qualification review of the applicant through the "Pre-loan Pre-Approval Form". For applicants who meet the bank's loan standards, the bank will notify the loan applicant to prepare personal loan application materials.

Materials required for loan car purchase procedures:

1. "Personal Loan Application";

2. Valid personal identity document. Including resident identity cards, household registers, military officer ID cards, passports, travel passes for compatriots from Hong Kong, Macao and Taiwan, etc. If the borrower is married, the spouse's identity certificate must be provided;

3. Household registration certificate or long-term residence certificate;

4. Personal income certificate, and family income or property certificate must be provided if necessary. ;

5. Proof of intention to purchase a car issued by the car dealer;

6. Proof of down payment for car purchase;

7. Other than the mortgage of the purchased vehicle If the guarantee is provided in the form of a guarantee, relevant materials for the guarantee shall be provided, including the pledged rights certificate, the mortgaged real estate ownership certificate and evaluation certificate, a letter of intent for third-party guarantee, etc.;

8. If the vehicle purchased with the loan is for commercial use If you are purchasing a vehicle, you must also provide proof that the purchased vehicle can be legally used for operations, such as an affiliation agreement with a transportation fleet, a leasing agreement, etc.;

9. The vehicle purchased with a loan is a second-hand vehicle, and you must also provide proof of vehicle purchase Proof of intention, vehicle evaluation report issued by an evaluation agency recognized by the bank; vehicle property rights certificate of the vehicle seller, "Motor Vehicle Registration Certificate" of the vehicle being traded, vehicle annual inspection certificate, etc.

Four details when applying for a loan to purchase a car

Detail 1: Interest-free car loans do not waive handling fees

Detail 2: Carefully read the relevant insurance terms before applying for a loan to purchase a car

Detail 3: There are many restrictions on car purchases with zero-interest loans

Detail 4: Carefully consider the increased car payment and loan interest rate before applying for a loan to purchase a car

To purchase a car with a loan, you need to follow The above procedures are required. Different banks have slightly different requirements. For details, please consult the bank where you want to apply for a loan.