Will Geely Finance talk on the phone?

Reply to the text message and confirm it before you can guarantee it. Incoming call is just an application.

At present, Geely financial car loan is still relatively easy to pass, but it may also be rejected. For automatic loans, both banks and financial companies will review personal data, including personal credit surveys. If it is judged that the personal credit information is not good and there is pollution, the bank or loan company will be worried about whether the person has breached the contract and has the ability to repay, so the possibility of refusing the visa will increase.

If there is a loan, it is necessary to strictly abide by the repayment requirements and repay it on time, otherwise it will be very unfavorable. On the other hand, you need to pay some liquidation losses. On the other hand, having overdue records will affect your credit information.

It is suggested that if conditions permit, it is better to choose a bank loan, which will be safer. Although the threshold is high, the interest calculation will be more reasonable. For example, the audit requirements of loan companies may be relatively loose and easy to pass, but there are also some risks. For example, if a loan company closes down or runs away, it will be more troublesome for customers who repay loans or just repay loans. Some people don't even continue to pay, but it may have an impact on personal credit information.

Therefore, these advantages and disadvantages should be considered before lending. If the bank fails, it is recommended to choose a formal loan company as far as possible.

Will it be rejected?

You may be refused a loan. If you are refused a loan, it depends on your specific reasons. In addition to its own basic conditions, institutions will pay more attention to the applicant's central bank credit report. If there are overdue or frequent loan application records in the credit report, the loan will be directly rejected. If the online loan big data is polluted, such as overdue or frequent loan application records, it is easy to be rejected.

Geely financing automobile purchase process

1. place an order online, select a model, place an order with the dealer and pay a deposit;

2. Pay the car purchase price through formalities, and complete the car purchase formalities signed by the contract according to the instructions of the dealer;

3. When applying for a gift, the user actively contacts the online customer service of the store to provide audit information;

4. After verifying the information, the customer service staff will distribute the gift to the user.

Buying a car with a loan has many advantages. Compared with if you don't need to spend a lot of money to buy a car right away, the capital turnover is flexible and the impact on life pressure is acceptable. However, there are also some precautions for buying a car with a loan. If you are not careful, you may fall into a suit.

Loan car purchase process

1. Apply to the bank and fill in the corresponding application form, and submit the corresponding materials as required, including ID card, income certificate, real estate license, household registration book and other relevant loan contracts.

2. After passing the examination, a loan contract and a guarantee contract can be signed. Of course, you can choose to go through the mortgage registration formalities or carry out relevant notarization;

3. After the final confirmation, transfer the funds into the designated account in the way agreed in the contract;

4. Under normal circumstances, you can't drive away when you buy the loan on the same day, mainly because it takes 2-3 working days to submit the materials and review the owner. Of course, it will be finished in a week. The explanation will inform the car host to pick up the car at the designated store with the corresponding documents.

What should I pay attention to when buying a car with a loan?

1. Learn the detailed information about the early loan car purchase expenses, including car payment, purchase tax, insurance, handling fee/service fee, license plate and other expenses.

2. Beware of the trap of freedom of interest. Although many car loan agencies will attract consumers with the slogan of "zero interest rate" and "zero downward adjustment", there may be some consumption practices. After participating in these preferential activities, car owners must purchase insurance, decoration, movies, maintenance and so on in our store through the interest-free car purchase course. In this way, they will get more interest during the loan period.

3. The lender shall repay the loan on a monthly basis as required. Generally speaking, if the repayment is overdue for 3 months, banks or financial institutions will appeal and urge, but the repayment is still less than 3 months, which can be recorded in the personal credit information system. If it is serious, it will escalate to the legal level.