At a 4S car dealership, refuse “financial service fees”; you can arrange insurance, financing and registration elsewhere
A dealer is not allowed to charge an extra “financial service fee” for arranging a loan. You can arrange insurance, financing or registration elsewhere or yourself; the dealer cannot force you to use its services or add charges beyond the marked price. Before borrowing, ask for the annualised interest rate and every fee in writing, then compare.
No charge. Before signing, spend a few minutes asking what…
The measures on automobile sales say a dealer must post, in the store, the prices and fee schedules for the ca…
No charge. Before signing, spend a few minutes asking what each charge covers and have it written into the contract or invoiced. Arranging insurance and registration yourself may require an extra trip.
The measures on automobile sales say a dealer must post, in the store, the prices and fee schedules for the car, the parts, and each service, and must not sell above the marked price or collect extra fees. The dealer must not limit the place of your household registration, and must not limit which provider you use for parts, supplies, finance, insurance, rescue, and after-sales service. Parts and services that the manufacturer pays for under the three-guarantee and under recalls are the exception. When selling a car, the dealer must not force you to buy insurance, and must not force you to let it handle registration for you. A breach of these points is ordered corrected by the commerce department at county level or above, which may warn the dealer or fine it up to 30,000 yuan. In 2022 the former China Banking and Insurance Regulatory Commission required financial institutions that make car loans to control the dealers they work with: a dealer must not charge fees in the financial institution's name, and must not charge fees on the ground that it is providing you a financial service. It must also tell you the annualized loan rate and the fee rate. It must not induce you with lines that do not match the facts, such as "no penalty for breaking the loan" or "the car needs no mortgage," and it must not bundle products and services against your will. The financial institution itself must not charge a fee as a condition of the loan. The regulations implementing the Consumer Rights Protection Law say a business operator must not force you, or force you in a disguised way, to buy something, and must not shut out or limit your choice of another operator (nationwide).
商务部 (2017). 汽车销售管理办法（商务部令 2017 年第 1 号，第十、十四、三十二条，2017 年 7 月 1 日起施行）. http://www.gov.cn/gongbao/content/2017/content_5230275.htm；中国银保监会 (2022). 关于进一步规范汽车金融业务的通知（银保监规〔2022〕22 号，第五、十一项）. https://policy.mofcom.gov.cn/claw/clawContent.shtml?id=96380（商务部政策法规库转载）；国务院 (2024). 消费者权益保护法实施条例（国务院令第 778 号，第十一、五十条）. https://www.gov.cn/zhengce/zhengceku/202403/content_6940159.htm
Open source linkThis charge may be renamed a “service fee”, “handling fee” or “loan service package”. Charges must be disclosed beforehand; nothing extra may be charged beyond the marked price. If you have already paid, first ask the dealer for a refund. If refused, complain on 12378 for loan-related charges or 12315 for other charges. For a small claim, see Section 8, Item 22 on fraud in online shopping and second-hand transactions. There is no official figure for the typical fee; the medium benefit rating is a judgment. Include car-loan handling fees when comparing annualised rates; see Item 7 in this section. The beneficiaries are you and your family.