you can apply for a car loan without a credit card. Individuals who apply for car loans from local banks or auto financing companies do not need to provide credit cards, so individuals can apply for car loans directly as long as they meet the relevant conditions of car loans. \xd\ However, if an individual wants to purchase a car by installment with a credit card, he/she needs a credit card. To purchase a car by installment with a credit card, you need a credit card from a cooperative bank of auto merchants, and at the same time, the applicant needs to prepare a down payment of not less than 3% of the total price of the car purchased. \xd\ Therefore, no matter whether an individual wants to apply for a car loan to buy a car, or wants to buy a car by installment with a credit card, if he doesn't have a credit card at present, he can do it. Before you borrow money to buy a car, you can consult the local lending institution to understand the relevant requirements of car loan according to your personal situation. \xd\ In addition, after successfully obtaining the loan, the borrower must remember to repay the loan in full and on time every month, otherwise, the overdue will have a serious impact on the borrower's own credit record.