The car loan bank gives a credit card, that is, through the credit card loan, swipes the card at the 4S shop, transfers the loan to the 4S shop, and picks up the car and leaves. Each repayment is a credit card bill, which can be repaid according to the bill. When the loan is paid off, the credit card will not have this issue. If there is an available amount, the credit card can be used normally, and the installment amount is included in the minimum repayment amount when repaying.

Generally speaking, buying a car with a loan has two advantages. First, the saved funds can be used in other places, such as investment, and the money invested may be more than the loan interest; Second, you can accumulate credit, borrow money to buy a car, and as long as you repay on time, you can accumulate good personal credit, which will help you apply for loans and credit cards in the future.

The process of buying a car with a loan is as follows:

First, book a car. Book the car first, then take the loan process, and negotiate with the 4S shop for specific preferential policies.

Second, submit the loan procedures. Usually need: husband and wife identity certificate, driver's license, marriage certificate, real estate license, income certificate, bank running water and other information.

Third, waiting for approval. After the loan procedures are submitted, the bank/vendor finance/third-party finance company will examine and approve the loan applicants' qualifications, which are usually divided into online examination and approval and offline examination and approval. Online approval generally calls the loan applicant; Offline approval is generally a home visit, and it will only be taken if the loan applicant's qualification is not very good.

Fourth, pay the down payment. After the loan is approved, it is necessary to pay the down payment to the 4S store first, and then the 4S store will issue a receipt for the down payment and give it to the bank/finance company for loan.

5. borrow money to pick up the car. Banks/financial companies will lend money to 4S shops or loan applicants, so that they can issue insurance invoices to pick up their cars normally.

If you need to borrow money, you can also choose to spend money under Xiaoman Finance. The application for money is simple, the loan is fast, and the loan is flexible. Users can apply on their own initiative. The interest rate of money is transparent, big brands are reliable, and the interest rate is low. The maximum loan amount is 200,000, which can meet the needs of most lenders.

In addition to individual consumers, small and micro business owners need to start or run funds, or consider having money to spend, and strive to provide accurate, convenient and efficient financial services for small and micro business owners.