It is more cost-effective to buy a car in installments with a credit card for the following reasons: 1. As long as you have a credit card, you can apply for a loan directly from the bank. If you don’t have a credit card, many 4S stores now provide credit card loans to buy cars, which can usually be completed in about a week; 2. The advantage of using a credit card loan to buy a car is that the process is relatively simple and the approval time is relatively short; 3. But the disadvantage is that The loan cycle is short (generally no more than 3 years at the longest), and the applicant’s past credit requirements are relatively high.