this is a question in the minds of many car buyers and a key issue in the purchase of cars. when car buyers negotiate sales at the car 4s store, if they are unable to obtain a bank loan, then there is a risk that the store 4s will be able to help its customers resolve the problem through consultations. but is this desirable? this is analysed from several angles。

will the 4s store be finished without a permit

first, if the car loan is not approved, how can 4s help the client? in some cases, there is some cooperation between the 4s and the banks. if the client is unable to obtain a loan, the salesman can refer the client to the bank and increase the likelihood of the client passing the loan. in addition, some car branders also cooperate with financial institutions. if the bank is unwilling to approve the loan, the manufacturer or financial institution may adopt a similar approach to the client's loan. it was therefore suggested that the cooperation of the relevant financial institutions should be known prior to the purchase of vehicles, in case of need。

secondly, even if the 4s helps customers to resolve unlicensed problems, is it cost-effective for customers? a vehicular mortgage is in fact a financial fool: it usually takes too much interest. in order to obtain additional financial advantages, the purchase of an installment loan is recommended. installment loans are a form of loans made on a monthly basis, usually with lower interest. this method allows customers to share the cost of vehicles for 60 months or more. monthly payments should be relatively reasonable and allow clients to better control their financial position。

third, if the car loan is not granted, it is suggested that the client may also seek loans from other financial institutions or banks. the advantage of bank loans is that the repayment period is relatively long and the monthly repayment is relatively low. car buyers with appropriate credit records and financial position can obtain a better-rate loan through insurance companies or other institutions. the advantage is that the interest rate on the loan is relatively low and the purchaser can better control his financial position. of course, consumers who choose this approach should be alert to possible economic risks and adequately prepared in advance。

in the light of the above, if your car loan is not granted, the 4s can be assisted where appropriate. however, remember that loans can be a burden and that maintaining a sound financial position and understanding of the relevant financial partnerships are the first issues in the industry. car buyers need to plan their own budgets to avoid future economic hardship。