Which is better to buy a car by installment? The bank loan to buy a car is complicated, and the requirements for the applicant are still very high. The amount of credit cards that can be approved to buy a car by stages is not high, and the types of cars purchased by applicants are also strictly limited. The threshold for online lending to buy a car is low, but the interest rate is insanely high. Are there any other options for buying a car with a loan? Let me introduce you to the popular mobile phone loan APP to buy a car.
First, the car e car dealer version
Cheyi Loan Car Dealer Edition is a mobile APP that provides users with convenient car loan services. The application threshold is low. The requirements are that China citizens are 20-65 years old, have lived in their current place of residence for 6 months, the age of private cars cannot exceed 3 years, and the auto insurance must be within the validity period. The loan process is: online application, on-site evaluation, risk control audit, and finally lending. The loan amount of Car E Dealer Edition is generally around 6,543.8+10,000 yuan, and the annual interest rate of the loan is generally above 654.38+ 065.438+0%.
Second, a good car e loan
Haoche e-loan is an online loan car purchase platform of Shanghai Automotive Group Finance Co., Ltd. Users who apply for loans can determine the amount through online testing, obtain information such as the flow of loan materials online, and make an appointment with dealers online. The offline car loan process is extremely simplified, and the car can be released in 2 hours at the earliest. Good car e-loan loan amount is less than 500 thousand, down payment is 30%. There are many models to choose from. The loan can last for up to three years and be repaid monthly.
Third, Toyota Finance.
Toyota Finance is a loan product specifically for Toyota car loans. Lenders only need to be 18-60 years old and have a normal job and a good credit record to apply. Toyota Finance supports three loan schemes: matching principal and interest loan scheme, easy financing loan scheme and flexible financing loan scheme, with a down payment of 20% and a loan term of up to 5 years. The applicant first selects the vehicle type, fills in the application form, submits all the loan materials, and can sign the loan contract after examination. Toyota Finance also supports prepayment, which is very convenient.
Fourth, car loans.
Appropriate car loan requires the applicant to borrow a car, that is, the applicant needs a car to borrow. The maximum loan amount can reach 80% of the vehicle valuation. There are two service modes: staging and GPS. The installment loan term is12,24,36. You can use the vehicle for free, and you don't need to mortgage the vehicle. The GPS class can be borrowed and returned freely.
The above is a popular car loan APP, and interested friends may wish to give it a try.
What are the auto loan platforms?
There are many. For example, the following four platforms:
1. Owner's credit loan: the maximum is100000 RMB, and the loan term is 12 months;
2. Owner loan of China Merchants Bank: up to 300,000 yuan, with a loan period of 36 periods;
3. CRRC flash loan: up to RMB 300,000, with a loan term of 12 to 36 periods;
4. Yixin car loan: the loan amount is between 300,000 and 500,000, and the loan term is 12 to 36 installments.
Which platform is better in automobile mortgage? Finally solved
Many users who want to buy a car go to the bank to apply for a car loan, but they are rejected because of credit information or other reasons. After being refused a loan by the bank, many people don't know where to apply for a car loan. Many borrowers have consulted, which automobile mortgage platform is good? Finally sorted it out!
Which platform is better in automobile mortgage?
1, Alipay Auto Finance
Alipay has many small loan products, and Alipay auto finance is one of them. Alipay Auto Finance is an auto mortgage platform under the Ant Group. As long as the borrower has a car under his name, he can authorize Alipay and then apply for a car mortgage.
According to user feedback, the annual interest rate of Alipay auto finance is about 18%, and the maximum loan is 300,000 yuan. Although it is automobile mortgage, it does not pledge cars and certificates, but applies for loans with the credit of the owner.
2. Ping An car owner loan
Ping An Car Owner Loan is a automobile mortgage platform under Ping An Pratt & Whitney, which requires borrowers to be at least 265,438+0 years old and at least 55 years old. The longest service life of the vehicle is not more than 5 years, and the vehicle valuation is not less than 80,000 yuan. The vehicle must be a family car with less than 8 seats and a non-operating vehicle.
When applying for a loan, users do not need to pledge their cars or certificates, but only need to provide auto insurance policies to apply directly. Users can apply for a maximum loan amount of about 80% of the vehicle value. You can apply for a car mortgage directly from the store online, or you can choose to download an online app application.
3. JD.COM auto loan.
There is no special car loan application in JD.COM. The borrower needs to download the Jingdong Financial APP, and then click JD. COM and select "consumption stage-car loan". After that, the borrower can apply for a loan according to the operating instructions.
The vehicle age of the user is more than 1 month and less than 10 year, and the mileage is within 654.38+10,000 kilometers. The age of the borrower needs to be between 18-60 years old, and there must be no serious stain on the credit. Users do not need to pick up the car, but only need to provide relevant materials such as vehicle registration certificate and vehicle driving license, and there is no need to mortgage the green paper. Green paper can use relevant copies and ID card photos.
The above is the related content sharing of "which platform is better in automobile mortgage", and I hope it will help everyone!
What car mortgage platforms are there? 20 19 is ready!
With the continuous improvement of people's economic level, more and more people own their own cars, which can not only improve their quality of life, but also apply for loans. There are many car mortgage platforms on the market now. Today, we have sorted out some products that can be loaned on 20 19, hoping to help you.
Ping an pu hui-car owner loan
Application conditions:
1, age requirement: 2 1-55 years old;
2. Car age requirements: no more than 5 years;
3. Vehicle valuation: 80,000 yuan or more;
4. Vehicle nature: family cars with less than 8 seats, non-operating vehicles;
Materials required:
1. Original ID card (residence permit is required for foreign household registration);
2, work and income documents;
3. The applicant's motor vehicle registration certificate, driving license and additional proof of purchase tax (original);
4. Description of interest rate of commercial insurance policy, compulsory insurance, travel tax and related taxes and fees for imported vehicles: the term is 12-36 months, and the interest rate is 0.55%- 1.85%.
JD.COM Che Dai Di
Application process:
1. Open the Jingdong Financial APP and click JD. COM white strip ";
2. Select "Consumption Staging-Car Loan";
3. Then follow the prompts on the page.
Application conditions:
1. The vehicle applying for car loan business is older than 1 month and less than 10 year, with a mileage of 654.38+10,000 kilometers;
2. Applicant 18 to 60 years old; The applicant has no other bad credit record.
The above is the introduction of the vehicle mortgage platform. Although there are many car loan platforms on the market, there are few formal ones. So be sure to distinguish carefully when you arrive at the car, especially if you charge in advance.
Is it true to understand the installment car loan?
Reliable.
Knowing that the car emperor belongs to a regular car buying platform, it is quite reliable to buy a car in stages. If you are not at ease, you can also go to the 4S shop for a loan to buy a car.
Knowing that the calculation of Chedi loan is quite accurate, I actually asked in the physical store. Loans calculated on apps such as Know Car Emperor are calculated according to the current market price of bare cars, and the actual loans are calculated according to the sales volume of 4S shops and auto trade.
Let's stop here for the introduction of installment car loan platform.