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Is a driver's license required for car loan application?

1 Answers

PeterLee

07/29/25 4:08pm

You can apply for a car loan without a driver's license, as it is not a prerequisite. Below are the relevant details regarding car loans: 1. Conditions for car loans: Possession of a valid identity document and full civil capacity; Ability to provide fixed and detailed proof of address; Stable occupation and capability to repay the loan principal and interest on schedule; Good personal social credit; Holding a car purchase contract or agreement recognized by the lender; Other conditions stipulated by cooperative institutions. 2. Car loan application process: Customer application. The customer submits an application to the bank, fills out the application form in writing, and provides relevant documents; Signing the contract. After the bank approves the application documents submitted by the borrower, both parties sign the loan contract and guarantee contract, and complete relevant notarization and mortgage registration procedures as needed; Loan disbursement. Upon approval by the bank, the loan is directly transferred to the car dealer's account as stipulated in the contract after all procedures are completed; Scheduled repayment. The borrower repays the loan principal and interest according to the repayment plan and method agreed in the loan contract; Loan settlement. Loan settlement includes normal settlement and early settlement.

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