怎么还贷款和信用卡？
我们都知道，只要资金不够，银行就会提供给我们贷款，但是，大家又知不知道，贷款也有不良与好的区分，那么，如何区别好的贷款与不良的贷款呢？
为下面的文章写一篇50~100个单词的作文。以第1人称“我”来写，说明“我”为什么需要贷款，申请哪种贷款，为什么要选这家银行，文中要尽量使用一般过去时，表达适当简短。
Iwanttobuyanewcar.Iworkedhardearlierthisyear andsaved10，000dollars.But5，000dollarsishowmuchendlessavingshouldbe.Ineedtobuymore.
Iamgoingtoboik.Icansavethreephasesonthebuy.FirstIcansave2intermediatepayments.
Next，Ithink3%APRisevery4yearsisevidence.Interestrates，however，isprobablythemostimportantthing.J.P.MorganChasedoesnotlendatinterestrateshigher0.97%.
ThecarlosingIwilluselatesthigh-techfeatures.ItiscalledAPrime.Itspace-graycolorisa1000dollarsblu-e-tint.Itcomeswithpoweradjustablesuspension，acloud-basedinformationandcommunicationplatform.Itsthis-generationlanguagesupport，andothernewfeatures.ThisgenerationofthePrimeispricesat99999dollarsplustax.IcanafforditisbecauseIwilluseitfromSeptemberonthehour.
Iamlookingforwardtoseeingmynewcar.Whilesittingbehindthewheelexperiencingalastminuteofexcitementwhiledrivingintoausingaprogramtogetthemostoutofthecar.Icantitnow.I’llhavetodealwitheveryoneelesextremelybusythisweek.