strictly speaking, when buying a car with a loan from a different place, the user is not allowed to get a license from a different place, but can only get a license from the place where he registered, that is, the license from his hometown. Users need to show the original household registration book when they get a license. If the license cannot be done temporarily, they can ask for a temporary license. The temporary license has a certain period of validity, and licensed users can drive on the road.

in addition, during the use of the temporary license, if the car is in danger, the insurance company will pay compensation, but the temporary license expires, and the insurance company will refuse to pay compensation.

Types of car loans

Personal car loans can be divided into direct car loans, indirect car loans and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly for loans, and the indirect customer type is generally a car loan for auto finance companies to transfer customers' car loans.

For direct bank car loans, the fees are deposit, principal and interest, 3% guarantee fee, etc., and the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to paying the above fees, the car loan of an individual car finance company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit

There is also a credit card car loan. The credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is also an audit procedure, so it is difficult for credit card users with bad credit records to handle it.

The specific steps of buying a car by credit card are roughly as follows:

1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder holds his/her ID card and goes to the dealer to fill in the installment order for car purchase, which will be submitted to the background of the bank for review.

3. after the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go through the mortgage formalities with the bank and purchase the required auto insurance.

5. finally, we can drive our car away smoothly.

loan conditions

1. Have valid identification and full capacity for civil conduct;

2. Can provide fixed and detailed proof of address;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the cooperative organization.

Application materials

1. Original ID card, household registration book or other valid residence documents, and provide their copies;

2. proof of occupation and economic income, and running list of personal accounts in the past 6 months;

3. car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperative organization.