Do you need a guarantee company to buy a car in installments?

1, this problem is because some car buyers have overdue car loans, and banks and car dealers are unwilling to spend a lot of manpower to collect debts. After all, the amount is too small. So there will be intermediaries such as guarantee companies to deal with these things. \x0d\2。 You have a fixed income and a guarantor. For non-real estate such as cars, it is also an unstable source of cash from the perspective of bank risk review. If you have a mortgage, you can apply directly to the bank for a loan to buy a car without a guarantee company. \x0d\3。 With the emergence of guarantee companies, banks are very relieved. On the one hand, banks will not increase fees. On the other hand, if the car buyer does not repay, the guarantee company must compensate. Why not? \x0d\4。 When the guarantee company appeared, the car dealership was very relieved. First of all, cars can't be sold because car buyers don't have enough money. Secondly, the guarantee fee is borne by the car buyer, and the car purchase money has been returned. Other non-vehicle problems have nothing to do with themselves. Why not? \x0d\ I suggest that you bargain with the car dealer and put the price of the guarantee fee into the car payment, which is more affordable than those flashy decorations sent by the car dealer. Of course, you can have both, so you must be an expert in bargaining. Wish you success! Hehe ~ ~.