1. Car staging

Car staging is very simple. As long as you have a credit card and pay a certain down payment, the down payment ratio is generally 30%, you can buy a car immediately. All major banks have their own car installment payment. On the whole, the car installment fees of ABC, BOC and ICBC are more favorable, while the application thresholds of CCB and China Merchants Bank are lower. 2. Auto financing company loans

In addition to car installment, if you have no money to buy a car, it is also a very good way to get a loan from an auto financing company. Some famous automobile brands, such as Volkswagen, Toyota, Ford, etc. I have obtained a loan from my own auto financing company. Auto financing company loans are very flexible, and borrowers can freely choose the down payment and repayment methods. However, there are restrictions on the types of cars that auto financing companies can borrow, and there are also handling fees.

3. Bank car loans

The above two ways of having no money to buy a car have one thing in common, that is, the models are limited. The former can only choose the bank cooperation mode, while the latter can only choose a certain brand mode. If you want to shop around, you may wish to choose a bank car loan. Generally, banks have a high amount of car loans and a long term. As long as their income is stable and their credit is good, they can apply. The more proof of other assets, the higher the loan amount.

What if the loan is not enough for the down payment? Try these methods.

Nowadays, many people want to buy a car and own a scooter through loans, and the down payment must be prepared in advance. And because of different personal qualifications, the down payment ratio may be different. What if the loan is not enough to buy a car? Here are some solutions.

1. How much is the down payment for the loan to buy a car?

The down payment must be above 20%, which can be increased according to the requirements of the bank where the lender applies for a loan, generally 30%.

It should be noted that if the lender's credit and economic strength do not meet the bank's standards, it may be required to increase the down payment. After all, the amount of down payment is not directly related to the car price, mainly because the loan bank should control the risk.

Second, what should I do if the down payment for the loan to buy a car is not enough?

1, credit card

When the car buyer does not have enough money to pay the down payment, he can pay by credit card, and then apply to the issuing bank for installment payment, and only pay part of the principal handling fee every month. However, we must repay the loan on time, otherwise it is not a good thing to be overdue. The impact of high penalty interest on credit is definitely not what everyone wants to see.

2. Credit loan

Generally, the down payment is not very high. In this case, you can apply for micro-credit loans from some institutions, but you must shop around and choose the loan product that suits you best. We can start with lending institutions, interest rates and thresholds.

Step 3 ask someone to borrow money

Borrow money from relatives and friends. When borrowing money, you should agree on the repayment time, and remember to keep the repayment. Don't betray people's trust in you.

The above methods can help you get funds when the down payment for a car loan is not enough. As for which way to choose, it is up to you. Here, I suggest that you try to borrow money to buy a car, and don't put too much pressure on yourself. After all, it is very troublesome not to get a loan.

How can I get a loan to buy a car without enough money? There are several mainstream ways now!

With the development of social economy, the price of cars is getting cheaper and cheaper. Many people plan to buy a car, but the average car costs hundreds of thousands or even hundreds of thousands. What if you can't come up with so much money at once? You can choose to buy a car with a loan. There are several mainstream ways you can learn about it now.

First, auto financing loans.

I believe that many car buyers have promoted this kind of loan in 4S stores. Compared with bank loans, it has obvious advantages, low requirements for car buyers, very low requirements for personal credit and income, and the approval process is very simple. There is a staff member to help you with the whole process, and you only need to wait a few days to pick up the car. The disadvantage is that the implied cost is too high and the handling fee is too high.

Second, the bank car loan

This kind of loan is the most common, and its biggest advantage is low interest rate, high quota and long term. However, in addition to providing ID cards, household registration books, real estate licenses and other information, some banks also require collateral. Coupled with the slow loan, many people are reluctant to apply for this way of buying a car.

Third, purchase by rent

There are many new ways to buy a car in the market. You only need to pay a certain down payment rent to drive the car home, and you may also pick up the car with zero down payment in case of preferential activities. However, this method also has a high handling fee, so you should choose it carefully.

Fourth, credit card installment.

Most people hold bank credit cards. If the amount is high, you may wish to know about the credit card loan to buy a car. The amount is relatively high. Generally, cardholders can apply for installment payment as long as they buy the designated model at the dealer cooperated by the issuing bank, which can be completed in three to seven working days.

I want to buy a car and have no money. what can I do?

You can take the following measures, but choose carefully. If there is not enough money to buy a car, the economic pressure will be great.

1, credit card car purchase by installment: The most obvious advantage of credit card car loan lies in its fast approval and relatively simple procedures. If consumers use a credit card loan to buy a car, they only need to use a credit card with a good credit record within the validity period, provide their ID card and apply to the card bank for car purchase by installments. Even if you don't have a credit card, you can go through the formalities of buying a car with a credit card at the car dealer, which usually takes 3-7 working days. Compared with other ways, the credit card limit is not high, which is suitable for buying a family car.

2. Auto financing company loans: The procedures for applying for auto loans through auto financing companies are relatively simple. Generally, it only takes two or three days for customers to get the car during the whole process, which is convenient and fast. The main disadvantage of this method is that the car brand is single and the interest rate is relatively high.

3. Bank car loan: The longest term of traditional bank car loan is five years, with a higher amount and less repayment pressure. But the disadvantage is that the bank car loan interest rate needs to rise by more than 20%, and many banks basically do not implement it. In addition, strict examination and approval and long processing time are also huge shortcomings.

4. It can be used to buy a car, but the interest rate of most products will exceed 10%, and the loan period is concentrated in about one year, which puts great pressure on the borrower's cost. Its advantage is that the approval speed is fast, and consumers can choose car brands at will.

Detectives can buy cars in more than 300 cities across the country.

Ruyi, holding the hand of success; Romantic, holding gentle hands; Caring, holding the hand of family; Sincerely, hold the hand of friendship; In spring, always hold the precious hand. Dream of sailing in the spring and sailing to happiness successfully!

This is the end of the introduction about how to borrow money to buy a car and whether it is a wrong choice to have no money to buy a car. I wonder if you found the information you need from it?