SAIC General Finance's car loan can be paid back a few days later, which will not affect it.

First, SAIC General Finance's car loan can be paid back a few days later, which will not affect it.

Let's talk about the repayment method first: smart is the most cost-effective, you can find your sales store to calculate. Compared with the equal principal and interest, the equal principal and interest in the average capital is slightly higher. Take the loan of 654.38 million yuan as an example. The difference between the matching principal and interest and the average three-year total interest of capital is more than 200 yuan. If the loan amount you provide is 48,000 yuan, the loan term is 3 years (36 months), the monthly repayment amount is 654.38+0608 yuan, and the annual interest rate is 654.38+02.6. The bank's loan interest rate is only 5.6% (monthly interest rate is 4.667 ‰). If the loan amount is 48,000 yuan, the loan term is 3 years (36 months), the monthly repayment amount is 1460 yuan, and the total interest for three years is1460-48,000 = 4,560, the contrast between them is obvious: there is only interest. Of course, the procedures of financial companies are simpler and more flexible than those of banks. However, there are essential differences between the' money' of financial companies and the' money' of banks. Let's look at this problem from another angle: as long as you want to buy a car by stages, you must first accept what kind of monthly repayment you can accept without reducing your quality of life. Of course, the more money you save, the better, hehehe.

2. Should Shanghai General Finance take the initiative to remit money one day overdue or wait for further deduction?

Anything will do. In loans overdue, generally speaking, people are most concerned about two issues, the first is whether to collect credit information, and the second is whether to collect overdue interest. SAIC-GM financial car loans are generally overdue for two days, and there is no overdue fee because of the short overdue time. Two days overdue can be solved mainly by the following methods: 1. Voluntary repayment: After SAIC General Finance car loan is overdue, you can call the national customer service hotline and choose loan-related services. The system will automatically send a short message to the borrower's mobile phone, which contains the repayment account of SAIC General Finance, and the lender can complete the active repayment by remittance. 2. Wait for the system to automatically deduct money: if the balance in the bank card is insufficient, the system will fail to deduct money. In the case of overdue for two days, you can deposit the repayment amount of this period into the bank card and wait for the system to automatically deduct it on the third day. Short-term overdue loans and their consequences: Different financial institutions have different definitions of short-term overdue time. In view of short-term overdue, institutions generally do not take compulsory measures, but will collect the repayment, resulting in 1, high fines and liquidated damages: after loans overdue, in addition to repaying the interest and principal, it is also necessary to pay high penalty interest and liquidated damages. 2. Leave a personal credit stain: overdue records will be left on the credit report, and even after repayment, the overdue records will be retained for 5 years. Overdue records will affect almost all the subsequent financial activities of the overdue person. 3. Receiving SMS and phone call for collection: The lender will send SMS and phone call for collection of overdue funds continuously to inform the borrower of the serious consequences of overdue and order the borrower to return overdue principal and interest within a time limit.

3. What if 3.SAIC GM's car loan is overdue for two days?

SAIC-GM's financial loan received a credit report in 3 days and 20 days. There is no credit report for two days overdue, but the overdue fee depends on the provisions of signing the contract. There will be no overdue fine within 10 days, and overdue fine for 10-30 days: 1 10 yuan; 30-60 days overdue: 240 yuan late payment fee; 60-90 days overdue: 370 yuan will be fined for overdue.

General motors finance auto loan application conditions:

1. A natural person with full capacity for civil conduct;

2. Have a legal and valid identity certificate, household registration certificate or valid residence certificate and marriage certificate;

3. Have a good credit record and willingness to repay;

4. It has a stable legal income source and the ability to repay the loan principal and interest in full and on time;

5. Holding a car purchase agreement or car purchase contract signed with a special dealer;

6. Other conditions stipulated by SAIC-GM Finance.

Specific process of general financial car loan: 1. Log in to GMAC-SAIC official website, fill in personal information on the application page and submit it; 2. Confirm that local loan professionals arrange formal application, submit personal certification materials and wait for approval; 3. The store signed a contract to pick up the car and went through the licensing and mortgage procedures.

4. What if 4.SAIC GM's car loan is overdue for two days?

It depends on which bank (or guarantee company) has made an agreement with you.

1. subject to your contract. Please take a closer look at the agreement signed with the bank.

2. In case of breach of contract, it shall be liable for breach of contract, such as default interest and early loan collection.

3. It will affect the credit of the bank. After a certain period of time, the bank can handle it through legal channels. 4, still fast, the time is not long, and you may also eat penalty interest. The above is for reference only. . . If not, please criticize and correct me. . Thank you.