The invention discloses a zero down payment zero monthly installment payment automobile purchase method based on the Internet of things. After zero down payment automobile purchase, a purchaser is locked and converted into a sharing object, zero down payment business is shared in the same way, and zero monthly installment payment is realized after task completion. The method is advantaged in thatdeposited automobile purchase user big data can be accurately distributed to automobile manufacturers, banks or financial mechanisms, various insurance companies and automobile-related industries, profit sharing is carried out through a commission standard protocol, market integration is realized through innovative modes, automobile purchase data is locked through big data, and clients are distributed to car dealers, the financial companies, the insurance companies and the automobile manufacturers; the big data is utilized to integrate car-related products, client transform is carried out, andsecondary values are realized through secondary consumption and automobile-related products; the method is applicable to sales of complete automobiles, sales of new energy automobiles and widespreadpromotion of the entire automobile-related industry market.