5W can be divided into 36 installments at the longest, and the cumulative repayment is close to 70,000, which means that the interest of 6-7,000 yuan per year (or interest plus management fee) and the monthly repayment is about 2,000 yuan. In this way, the annual interest is 15%- 18%, which is not recommended. The car itself is a consumable. If you buy it, you will get a discount. If you add interest, you will lose more than you gain.