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What is the typical down payment ratio for used cars?

1 Answers

DelilahMarie

07/29/25 12:01pm

The down payment ratio for used cars is generally a minimum of 30%, with the maximum loan-to-value ratio for used car loans being 70%. For traditional fuel-powered passenger vehicles, the maximum loan-to-value ratio is 80%, while for commercial traditional fuel-powered vehicles it's 70%. For new energy passenger vehicles, the maximum loan-to-value ratio is 85%, and for commercial new energy vehicles it's 75%. Additional reference information: Relevant requirements for auto loans: 1. Strengthen the entire process management of auto loans, enhance pre-loan review, continuously improve the customer credit evaluation system, and ensure that the primary repayment source can fully cover the corresponding principal and interest. 2. Continuously accumulate residual value experience data, implement prudent valuation policies for collateral and pledges, improve the valuation system for collateral and pledges; refine loan classification systems, strengthen monitoring of non-performing loans, and make adequate provisions accordingly.

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