Car installment payment is quite cost-effective. The details are as follows: 1. The expected return rate of buying a car on installment payment is higher. To do business, you must rely on other people's efforts and funds to integrate resources. The annual interest rate of a car loan is between 6.5% and 7%; 2. As a businessman, you have done some calculations. The income from business is usually 30% to 50% or even higher, while the annual interest rate of a car loan is between 6.5% and 7%. 6.5%-7.5% is not a cost. If the car manufacturer subsidizes the interest, the annualized interest rate will be lower; 3. Car loans are the lowest cost and most convenient way to obtain funds, whether it is borrowing money for a friend or Mortgage loans are troublesome, and the interest rates on private loan sharks are exorbitantly high, so buying in installments is the best option.