车贷指贷款人向申请购买汽车的借款人发放的贷款。汽车消费贷款是银行对在其特约经销商处购买汽车的购车者发放的人民币担保贷款的一种新的贷款方式。汽车消费贷款利率就是指银行向消费者也就是借款人发放的用于购买自用汽车（不以营利为目的的家用轿车或7座（含）以下商务车）的贷款数额与本金的比例。利率越高，那么消费者还款的金额就越大。
人们大多背负着车贷，或许还有房贷，但对许多人来说信用卡往往才是导致债务困难的原因。
Often there'll be a car loan and perhaps a mortgage, but credit cards often seem to be the gateway to debt-related financial difficulties for many.
要照顾一个十几岁的孩子，有一份工作，还要付房租，还车贷，还债务，这才是最难的事情。
It's the hardest thing to take care of a teenager, have a job, pay the rent, pay the car payment, and pay the debt.
合作社为客户提供车贷房贷和其他贷款，利率却不高。
Credit unions offer car loans, home equity loans, and other types of loans at highly competitive rates.
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