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Is a driver's license required to apply for a car loan?

1 Answers

MacValerie

07/30/25 5:15am

Applying for a car loan does not require a driver's license. The specific details for applying for a car loan are as follows: 1. Loan Applicant: Individuals aged between 18 (inclusive) and 60 (inclusive) with full civil capacity. 2. Loan Amount: For personal-use vehicles, the loan amount should not exceed 80% of the vehicle's purchase price; for commercial-use vehicles, the loan amount should not exceed 70% of the vehicle's purchase price, with commercial trucks capped at 60%; for used cars, the loan amount should not exceed 50% of the purchase price and must be no more than 200,000 yuan. 3. Loan Term: For personal-use vehicles, the loan term should not exceed 5 years; for commercial-use vehicles or used cars, the loan term should not exceed 3 years. 4. Guarantee Method: Applicants for a personal car loan must provide certain guarantee measures, including pledges, mortgages on the purchased vehicle, real estate mortgages, third-party guarantees, etc.

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