Legal analysis: 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 purchases 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, the loan can generally be completed within 7 working days. Moreover, there is no interest on credit card installment car purchases, only handling fees, which is cheaper than ordinary loans.

Legal basis: "The People's Republic of China and the Civil Code"

Article 679 A loan contract between natural persons is established when the lender provides the loan.

Article 680: Lending at high interest rates is prohibited, and the interest rate for borrowing must not violate relevant state regulations.

If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest.

If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to local or party transaction methods, transaction habits, market interest rates and other factors; if the loan is between natural persons, it shall be deemed that there is no Interest.