Car loan and credit card loan are both consumer loans, and their essence and characteristics are very different. Auto loan refers to a loan applied to a bank or financial institution for the purchase of a car. Need to provide collateral as a guarantee, repayment according to the agreed time limit. Credit card is a consumer tool that can be used without providing collateral. When deducting money, there will be corresponding arrears, and the cardholder can choose to pay it off in full or in installments. Although both of them have to pay interest and other related expenses every month, there are obvious differences in their own nature, borrowing methods and risk assessment.