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List of the catalog of this article:

• 1, Is it reliable to buy a car with a financial loan
• 2 、 What are the loans of automobile finance companies?
• 3, Loan to buy a car, car finance or bank

Is it reliable to buy a car with financial loan

Chang'an Finance is also relatively reliable, because the bank's audit is relatively strict, if the car buyer's credit If there is a problem, the bank will not approve the payment. Of course, if the car buyer's credit is blank, it will not approve the payment.So in addition to the bank loan installments.

Is it safe to buy a car with a financial loan? All loans have certain risks, and timely repayment will not have an impact. The same is true for financial loans when buying a car. How about buying a car and taking a financial loan? The advantages of car loans to buy cars in automobile finance companies are more discounts, high loan amounts, and relatively simple procedures, but the disadvantages are high interest rates.

In fact, today's loan to buy a car is the same concept as a loan to buy a house, but the amount is smaller, which is a very mature consumption method, so it is very reliable. All cars for sale can be bought through loans, but the way of loans will be different.

What are the loans of automobile finance companies?

1. Volkswagen Volkswagen Finance Company mainly provides six financial solutions, and all models of Volkswagen are imported. The six schemes are Standard Credit Balance Loan, Linglong Easy Loan, and Super "Leap" Loan - Standard Credit and Super "Introduction. The standard down payment plus the monthly fixed repayment amount is simple and easy to operate.

2. Automobile finance company. SAIC General Motors Finance, Volkswagen Finance, Dongfeng Automobile Finance, Mercedes-Benz Finance, Ford Finance, Toyota Finance. Procedures: There is no need for a loan to provide any guarantee for car buyers, as long as they have a fixed occupation and residence, stable income and repayment ability, and good personal credit. Down payment: the down payment ratio is low, and the loan period is long.

3. The platform companies for car loans are: SAIC General Motors Finance, Volkswagen Finance, Dongfeng Automobile Finance, Mercedes-Benz Finance, Ford Finance, Toyota Finance, etc.The automobile industry has long been a pillar industry in China's economic development, because the whole vehicle manufacturing industry chain is long and wide-ranging, which plays a great role in promoting the economy and consumption.

loan to buy a car car finance or bank

1. Generally, bank car loans are 1-3 years, according to customer capital The quality can be extended, but no more than 5 years;Generally speaking, car finance companies can apply for car loans for up to 5 years. Covering different models. Applying for a car consumer loan from the bank can generally cover all models.

2. If customers want to be more secure, although banks will have certain limitations, it is still recommended to choose to borrow from the bank; if you want to get funds faster, it is enough to choose manufacturer finance. As long as the personal comprehensive credit is good, whether it is a bank or a manufacturer's finance, the car loan can generally be approved smoothly.

3. Generally speaking, it is better to go to the bank. First of all, the bank's interest rate is generally relatively low, there is no routine, and the process may be slightly slower, and customers need to provide stable proof of work in the background audit credit and big data. If there is no problem, it is to go to the bank, lend money, mortgage repayment, settle the large capital, and so on. Process.

4. At present, the channels for car purchase loans include banks and automobile finance companies. Among them, banks include traditional car loans and credit card installments. There are many types of traditional car loan business. Customers who choose "direct passenger" business can borrow money first and then buy a car; choose a good car first, and then apply for a loan through car dealers.

5. If you want to be more secure, although the bank will have certain limitations, it is still recommended to choose to borrow from the bank. If you want to get funds faster, it is enough to choose manufacturer finance. As long as the personal comprehensive credit is good, whether it is a bank or a manufacturer's finance, the car loan can generally be approved smoothly.