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What is the maximum loan term for an auto loan?

1 Answers

CatherineRose

07/25/25 1:53pm

Auto loans can have a maximum term of 5 years, with financial institutions allowed to adjust interest rates within a certain range above or below the benchmark rate. Generally, customers with excellent qualifications may enjoy the benchmark rate or a discount of around 10%, while regular customers may face an increase of about 10% above the benchmark rate. The application requirements for an auto loan include: 1. Continuous residence in the country for at least one year; 2. Possession of a valid identity document, a fixed detailed address, and full civil capacity; 3. Stable legal income or sufficient personal legal assets to repay the loan principal and interest; 4. Good personal credit; 5. Ability to pay the legally required down payment; 6. Other conditions required by the lender; 7. Age between 25 and 55; 8. Stable employment; 9. Continuous employment at the current job for at least 6 months.

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