Personal advice.
I also met some people with excellent support conditions, but after applying, the loan was not passed. The main reason is that they provide insufficient personal materials, such as lack of personal income certificates and tax payment vouchers. Of course, when you apply for a car loan, it still has something to do with your time. If you apply for a loan in some peak consumption seasons, the approval time will be longer. If it is directly approved by the bank, the bank still needs to report it step by step, or even take half a month to handle it. However, it should be noted here that some small loans are convenient, but the interest rate is relatively high. If you feel that it is not cost-effective, you would rather choose a big bank than rush to find some small platform loans.
Extended data.
Reasons for slow car loan review
1. Personal information is incomplete.
Car loan business requires car buyers to have household registration books or real estate licenses, as well as a series of certificates. If there are errors or problems, it will affect the approval time.
2. Advance payment
Now most car buyers choose a loan ratio of 40% to 60% of the car price. Too low down payment will affect the approval speed.
3. Special circumstances
If you encounter policy reasons, it will lead to insufficient institutional or bank quotas. You may have to wait in line for a while, and take the initiative to contact the account manager to ask about the approval progress.