This is not needed. Let’s take China Construction Bank as an example: when applying for a loan to buy a car, it only checks the loan applicant’s credit report and other information. Loan targets: Natural persons aged between 18 years old (inclusive) and 60 years old (inclusive), with full capacity for civil conduct; then all you need to do is meet other loan conditions.

Does auto finance generally not check credit reports?

Auto finance companies are institutions issued financial licenses by the China Banking and Insurance Regulatory Commission. These institutions have cooperative relations with the People's Bank of China's credit reports, so when applying The credit report of the lender will be checked, and if married, the credit report of the couple will also be checked. If the car loan application is successful, the loan record will be displayed in the personal credit report.

Compared with bank car loans, the threshold for applying for car loans from auto finance companies is slightly lower, which is suitable for users who cannot pass the bank car loan review but still need to apply for a car loan.

Buy a car with a black account:

A black account is a bank account with bad records such as pre-payments and overdue payments. At the same time, these bad records will be registered on the personal credit report, which will affect the future. The processing and application of loans or credit cards will be affected. So can black households buy cars in installments at 4S stores?

If you are included in the blacklist of the bank, the bank will not grant a loan. But this does not mean that black accounts cannot pay in installments to buy a car. After all, banks are not the only channel for us to obtain loans.

If we have a black account in the bank, then we can turn to a loan through an auto finance company, because the auto finance company will be much more relaxed in the review of loan applicants, and will not be rejected just because we have a black account in the bank. Refusal to grant loan.

At the same time, auto finance companies also have the advantage of more convenient loan applications and procedures. You can apply directly through 4S stores, with low thresholds, relatively large down payments and relatively large discounts. Of course, car finance companies may have the vulgar phenomenon of "charging for rides".

Required application materials:

1. "Personal Loan Application";

2. Valid personal identity document. Including resident identity cards, household registration books, 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, if necessary, family income or property certificate must be provided ;

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 guarantee, relevant materials for the guarantee must be provided. Because the loan recipient and loan information belong to the borrower, that is, one of the spouses, whoever applies for a loan to buy a car has his or her credit report checked.