By and large, of course, a car loan is also a consumer loan, unless you are buying a car for a business. However, these concepts are separated due to the peculiarities of lending.
A loan to buy a car is issued for this very purpose, that’s why it’s called targeted, and a consumer loan can be spent by the borrower at its discretion, that’s why it’s called non-targeted.
The main difference between a car loan is that the bank takes on much less risk by lending money to buy a car, since it is pledged to it until the debt is fully repaid. This, in turn, allows you to offer a lower interest rate.
In this case, a loan is issued for a specific car that cannot be sold or donated until the debt is paid. Moreover, in most cases, banks require a down payment, usually from 15% or more, and it is also mandatory to comply with the conditions of annual car insurance.
Given these features, it is easier to get a car loan than a consumer loan, and the loan amount can be much higher.