Online car loans, the actual results may not be quick

In recent years, automobile consumption has been comprehensively "net". In addition to electric dealers selling cars, online shopping accessories and other models, car loans also greatly from the line down to the trend of the line. For a time, online car loans wind. How much do consumers know about this new way of car consumption? Are you willing to pay? Chongqing Morning News reporter to the car loan consumer market survey.

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Online car loans may not be quick

After working in a foreign company 85 Liu plans to buy a car recently, because it is not well-off, he decided to use the mortgage method. In addition to the bank, he online search "car Loans" information, found that many sites promise "10-minute approval, 24-hour loan, can enjoy 0 interest rate concessions, repayment period of up to 48", "No need to guarantee, no real estate, just provide my ID card and license can be handled, nationwide effective Conditions that are quite tempting.

Heartbeat, he entered the official website of SAIC Financial details, the result let him quite disappointed. Originally, the bid for the business, the same need to provide ID card, driver's license, residence certificate, unit certification, income certificate, the Bank of nearly 3 months of water documents, 3 months of household water consumption documents and other miscellaneous materials, compared with traditional loans, only a little less than the property certificate. Materials submitted, but also by the financial company audit, the same to meet the requirements of the bank's car loans, the local dealers will be notified to contact with customers, the fastest 1-2 weeks of work day loans, the so-called "10-minute approval, 24-hour loan" as a cloud. The traditional car loans to the fastest 24-hour loan, generally in 2-3 working days, the slow will not exceed 7 working days. As for the exemption from fees and interest, there are similar concessions in traditional car loans, and the advantages are not obvious. Liu decided to give up online loans and apply for loans to local banks.