Excuse me , is this the Auto Consumer Loan Center ?   Yes . Is there anything I can do for you ?   Could you tell me something about the terms and interest rates for personal automobile consumer loan ?   The deadline is normally no more than 5 years with the interest adopted according to the corresponding lending rates announced by the PBC .   I plan to take the loan for 3 years .   Well , the yearly interest rate is 5.49 % for 3 years . I'm sure you are qualified to apply for this loan .   What about the loan repayment ?   You may choose a repayment pattern by consulting with our bank , for example , payment of equal amount of principal or of principal and interest on monthly installments .   Does that mean I should deposit sufficient money to my account prior to the monthly payment date so that you can directly deduct the repayment of the principal and interest ?   Exactly . You are permitted to effect and early payment in part or in full with the consent of our bank .   That's very thoughtful of you . Thank you so much .   You're welcome . 