If you have a credit card now and have a high credit limit, you can use it to buy a car. The interest-free period of credit cards is only about 45 days, and the time is short. If you apply for installment repayment with a credit card after swiping the card, the intermediate handling fee will be more expensive than the interest on the car loan directly. The bank loan procedure for buying a car is relatively cumbersome, and the credit card form is more convenient.

But if you don't have a higher credit card, the procedure of applying for a higher credit card in the form of buying a car is the same as applying for a car loan directly from the bank.

Credit card swiping, bank charges handling fees, car loans and bank charges interest, generally the longest time is 3 years. As long as you calculate the difference between the total cost and interest, you can know which is more cost-effective. Personally, if you want to repay in advance within three years, it is more cost-effective to apply for bank loans directly. The credit card is a one-time charge, and the bank interest is charged monthly.

The above is for reference only, there are small differences between regions, I hope it will help.