1. Preparation steps:

1, the user chooses the car at the designated dealer;

2. Fill in the application form and submit the application materials;

3. The bank conducts the examination and approval (the examination and approval time ranges from 40 minutes to 3 days);

4. Go through the relevant formalities at the bank after approval;

5. Pay the down payment and pick up the car.

Second, the application materials:

(1) Personal loan application;

(2) Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;

(3) proof of household registration or long-term residence;

(4) personal income certificate, family income or property certificate when necessary;

(5) Certificate of intention to buy a car issued by the automobile dealer;

(6) proof of down payment for car purchase;

(7) If the purchased vehicle is secured by other means other than mortgage, relevant materials for the guarantee shall be provided;

(8) If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transportation fleet.

Tip: When applying for credit card installment payment, you should check in advance whether your favorite car can apply for credit card installment payment and whether there are other additional conditions to avoid losses.