Even if you buy a car with a loan, the service fee is provided by the bank, and the bank is the lender. 4S stores only play the role of service intermediary, and only cooperate with consumers to provide relevant bills to banks. Therefore, there is no legal basis for 4S shops to charge a handling fee when buying a car with a loan. Merchants who charge "service fees" are suspected of fraud and can defend their rights with the Industrial and Commercial Bureau.
If you buy a car through the auto finance loan inside the 4S shop, the 4S shop will charge a handling fee. You should clearly inform the consumer in advance and get the consent of the consumer before you can charge the handling fee. Not saying it before buying a car and saying it when paying the money violates the principles of voluntariness, equality and fairness stipulated in the Consumer Protection Law.
If you negotiate with the 4S store to determine the payment fee, the 4S store will also issue an invoice. S shop needs to issue an invoice for any charge, otherwise it is illegal.
In fact, this fee is already a hidden rule, but it is called differently in different places. For example, it is called exit fee, vehicle management fee, license fee, etc. If you don't want to pay this money, there won't be any preferential policies. Even if there is no service charge, insurance will be compulsory.
Million car purchase subsidy