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在郑州,征信不好,网贷都点不出来了,名下有台车,能办理车抵贷吗?

  • 2026-07-16 03:06:06
在郑州,征信不好,网贷都点不出来了,名下有台车,能办理车抵贷吗?
先说结论，是可以的，但是也有一定的要求。
网贷属于信用贷，对于个人征信还是有要求的。
车抵贷属于抵押贷，因为有抵押物的存在，所以相对征信要求更宽松。
不管是网贷多，还是查询多，哪怕有逾期，只要这个车辆本身还有价值，就有相应的办理方案，一般有如下两个方案：
01
押证不押车
只需要把汽车的登记证书，也就是俗称的大绿本抵押给银行，并不影响车辆的正常使用。
这个比较适合长期周转的朋友，一般可以做个3年到5年的分期，也不会有很大的还款压力，中途有钱了也可以提前结清。
办理流程也比较简单，车主本人，带齐资料，开车配合，1-2个小时即可办理完毕，高效，私密，不欠人情。
02
车辆质押
这个就是押车，简单粗暴，车辆直接放到指定的停车场保管，随时赎走。
这个比较适合短期周转的朋友，3个月以内的，更推荐车辆保管。
我是郑州绿本老姜，从事车抵贷行业12年了，如果你刚好遇到了资金周转的困扰，欢迎聊一聊，用我的经验帮你少走弯路。
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  1. CONNECT:[ UseTime:0.001055s ] mysql:host=127.0.0.1;port=3306;dbname=i460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001446s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000700s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000685s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.001325s ]
  6. SELECT * FROM `set` [ RunTime:0.000642s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001439s ]
  8. SELECT * FROM `article` WHERE `id` = 570464 LIMIT 1 [ RunTime:0.000913s ]
  9. UPDATE `article` SET `lasttime` = 1784208086 WHERE `id` = 570464 [ RunTime:0.029434s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000440s ]
  11. SELECT * FROM `article` WHERE `id` < 570464 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000559s ]
  12. SELECT * FROM `article` WHERE `id` > 570464 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000547s ]
  13. SELECT * FROM `article` WHERE `id` < 570464 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.000767s ]
  14. SELECT * FROM `article` WHERE `id` < 570464 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.002666s ]
  15. SELECT * FROM `article` WHERE `id` < 570464 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.004655s ]
0.197480s