Exhibit 4.20

Exclusive Business Cooperation Agreement

This Exclusive Business Cooperation Agreement (this Agreement) is made and entered into by and between the following parties on
February 15, 2015 in Beijing, the Peoples Republic of China (China or the PRC).



|         |  |                                                                                                     
|-------- |  | ----------------------------------------------------------------------------------------------------
|Party A: |  | Shanghai Techuang Advertising Co., Ltd.                                                             
|         | 
|Address: |  | Room C2-215, Building 4, No. 218, Yesheng Road, China (Shanghai) Pilot Free Trade Zone              
|         | 
|Party B: |  | Beijing Yixin Information Technology Co., Ltd.                                                      
|         | 
|Address: |  | Room 754 and 755, Floor 7, Building 3, No.6, Capital Gymnasium South Road, Haidian District, Beijing

Each of Party A and Party B shall be hereinafter referred to as a Party respectively, and as the
Parties collectively.

Whereas,

1.

Party A is a wholly foreign owned enterprise established in China, and has the necessary resources to provide technical and consulting
services;

2.

Party B is a company
established in China with exclusively domestic capital and is permitted to engage in automobile related financial services. The businesses conducted by Party B currently and any time during the term of this Agreement are collectively referred
to as the Principal Business;

3.

Party A is willing to provide Party B with technical support, consulting services and other services on exclusive basis in relation to the
Principal Business during the term of this Agreement, utilizing its advantages in technology, human resources, and information, and Party B is willing to accept such services provided by Party A or Party As designee(s), each on the terms set
forth herein.



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Now, therefore, through mutual discussion, the Parties have reached the following agreements:

1.

Services Provided by Party A

1.1

Party B hereby
appoints Party A as Party Bs exclusive services provider to provide Party B with comprehensive technical support, consulting services and other services during the term of this Agreement, in accordance with the terms and conditions of this
Agreement, including but not limited to the follows:

(1)

Licensing Party B to use any software legally owned by Party A;

(2)

Development, maintenance
and update of software involved in Party Bs business;

(3)

Design, installation, daily management, maintenance and updating of network system, hardware and database design;

(4)

Technical support and
training for employees of Party B;

(5)

Assisting Party B in consultancy, collection and research of technology and market information (excluding market research business that wholly
foreign-owned enterprises are prohibited from conducting under PRC law);

(6)

Providing business management consultation for Party B;

(7)

Providing marketing and
promotion services for Party B;

(8)

Providing customer order management and customer services for Party B;



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(9)

Leasing of equipments or properties; and

(10)

Other services requested
by Party B from time to time to the extent permitted under PRC law.

1.2

Party B agrees to accept all the services provided by Party A. Party B further agrees that unless with Party As prior written
consent, during the term of this Agreement, Party B shall not directly or indirectly accept the same or any similar services provided by any third party and shall not establish similar corporation relationship with any third party regarding the
matters contemplated by this Agreement. Party A may appoint other parties, who may enter into certain agreements described in Section 1.3 with Party B, to provide Party B with the services under this Agreement.

1.3

Service Providing
Methodology

1.3.1

Party A
and Party B agree that during the term of this Agreement, where necessary, Party B may enter into further service agreements with Party A or any other party designated by Party A, which shall provide the specific contents, manner, personnel, and
fees for the specific services.

1.3.2

To fulfill this Agreement, Party A and Party B agree that during the term of this Agreement, where necessary, Party B may enter into equipment
or property leases with Party A or any other party designated by Party A which shall permit Party B to use Party As relevant equipment or property based on the needs of the business of Party B.

1.3.3

Party B hereby grants to
Party A an irrevocable and exclusive option to purchase from Party B, at Party As sole discretion, any or all of the assets and business of Party B, to the extent permitted under PRC law, at the lowest purchase price permitted by PRC
law. The Parties shall then enter into a separate assets or business transfer agreement, specifying the terms and conditions of the transfer of the assets.



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2.

The Calculation and Payment of the Service Fees

2.1

The fees payable by Party B
to Party A during the term of this Agreement shall be calculated as follows:

2.1.1

Party B shall pay service fee to Party A in each year. The service fee for each year shall consist of management fee and fee for services
provided, which shall be determined by the Parties through negotiation after considering:

(1)

Complexity and difficulty of the services provided by Party A;

(2)

Title of and time consumed
by employees of Party A providing the services;

(3)

Contents and value of the services provided by Party A;

(4)

Market price of the same
type of services;

(5)

Operation conditions of the Party B.

2.1.2

If Party A transfers
technology to Party B or develops software or other technology as entrusted by Party B or leases equipments or properties to Party B, the technology transfer price, development fees or rent shall be determined by the Parties based on the actual
situations.



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3.

Intellectual Property Rights and Confidentiality Clauses

3.1

Party A shall have exclusive
and proprietary ownership, rights and interests in any and all intellectual properties arising out of or created during the performance of this Agreement, including but not limited to copyrights, patents, patent applications, software, technical
secrets, trade secrets and others. Party B shall execute all appropriate documents, take all appropriate actions, submit all filings and/or applications, render all appropriate assistance and otherwise conduct whatever is necessary as deemed by
Party A at its sole discretion for the purposes of vesting any ownership, right or interest of any such intellectual property rights in Party A, and/or perfecting the protections for any such intellectual property rights in Party A.

3.2

The Parties acknowledge that
the existence and the terms of this Agreement and any oral or written information exchanged between the Parties in connection with the preparation and performance of this Agreement are regarded as confidential information. Each Party shall
maintain confidentiality of all such confidential information, and without obtaining the written consent of the other Party, it shall not disclose any relevant confidential information to any third party, except for the information that: (a) is or
will be in the public domain (other than through the receiving Partys unauthorized disclosure); (b) is under the obligation to be disclosed pursuant to the applicable laws or regulations, rules of any stock exchange, or orders of the court or
other government authorities; or (c) is required to be disclosed by any Party to its shareholders, directors, employees, legal counsels or financial advisors regarding the transaction contemplated hereunder, provided that such shareholders,
directors, employees, legal counsels or financial advisors shall be bound by the confidentiality obligations similar to those set forth in this Section. Disclosure of any confidential information by the shareholders, director, employees of or
agencies engaged by any Party shall be deemed disclosure of such confidential information by such Party and such Party shall be held liable for breach of this Agreement.

4.

Representations and Warranties

4.1

Party A hereby represents,
warrants and covenants as follows:

4.1.1

Party A is a wholly foreign owned enterprise legally established and validly existing in accordance with the laws of China; Party A or the
service providers designated by Party A will obtain all government permits and licenses for providing the service under this Agreement before providing such services.



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4.1.2

Party A has taken all necessary corporate actions, obtained all necessary authorizations as well as all consents and approvals from third
parties and government agencies (if required) for the execution, delivery and performance of this Agreement. Party As execution, delivery and performance of this Agreement do not violate any explicit requirements under any law or regulation.

4.1.3

This Agreement
constitutes Party As legal, valid and binding obligations, enforceable against it in accordance with its terms.

4.2

Party B hereby represents, warrants and covenants as follows:

4.2.1

Party B is a company
legally established and validly existing in accordance with the laws of China and has obtained and will maintain all permits and licenses for engaging in the Principal Business in a timely manner.

4.2.2

Party B has taken all
necessary corporate actions, obtained all necessary authorizations as well as all consents and approvals from third parties and government agencies (if required) for the execution, delivery and performance of this Agreement. Party Bs
execution, delivery and performance of this Agreement do not violate any explicit requirements under any law or regulation.

4.2.3

This Agreement constitutes Party Bs legal, valid and binding obligations, and shall be enforceable against it in accordance with its
terms.



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5.

Term of Agreement

5.1

This Agreement shall become effective upon execution by the Parties. Unless terminated in accordance with the provisions of this
Agreement or terminated in writing by Party A, this Agreement shall remain effective.

5.2

During the term of this Agreement, each Party shall renew its operation term prior to the expiration thereof so as to enable this Agreement to
remain effective. This Agreement shall be terminated upon the expiration of the operation term of a Party if the application for renewal of its operation term is not approved by relevant government authorities.

5.3

The rights and obligations
of the Parties under Sections 3, 6, 7 and this Section 5.3 shall survive the termination of this Agreement.

6.

Governing Law and Resolution of Disputes

6.1

The execution,
effectiveness, construction, performance, amendment and termination of this Agreement and the resolution of disputes hereunder shall be governed by the laws of China.

6.2

In the event of any dispute
with respect to the construction and performance of this Agreement, the Parties shall first resolve the dispute through friendly negotiations. In the event the Parties fail to reach an agreement on the dispute within 30 days after either
Partys request to the other Party for resolution of the dispute through negotiations, either Party may submit the relevant dispute to the China International Economic and Trade Arbitration Commission for arbitration, in accordance with its
arbitration rules. The arbitration shall be conducted in Beijing. The arbitration award shall be final and binding on both Parties.

6.3

Upon the occurrence of any
disputes arising from the construction and performance of this Agreement or during the pending arbitration of any dispute, except for the matters under dispute, the Parties shall continue to exercise their respective rights under this Agreement and
perform their respective obligations under this Agreement.



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7.

Breach of Agreement and Indemnification

7.1

If Party B conducts any
material breach of any term of this Agreement, Party A shall have right to terminate this Agreement and/or require Party B to indemnify all damages; this Section 7.1 shall not prejudice any other rights of Party A herein.

7.2

Unless otherwise required by
applicable laws, Party B shall not have any right to terminate this Agreement in any event.

7.3

Party B shall indemnify and hold harmless Party A from any losses, injuries, obligations or expenses caused by any lawsuit, claims or other
demands against Party A arising from or caused by the services provided by Party A to Party B pursuant this Agreement, except where such losses, injuries, obligations or expenses arise from the gross negligence or willful misconduct of Party A.

8.

Force Majeure

8.1

In the case of any force
majeure events (Force Majeure) such as earthquake, typhoon, flood, fire, flu, war, strikes or any other events that cannot be predicted and are unpreventable and unavoidable by the affected Party, which directly or indirectly causes the
failure of either Party to perform or completely perform this Agreement, then the Party affected by such Force Majeure shall give the other Party written notices without any delay, and shall provide details of such event within 15 days after sending
out such notice, explaining the reasons for such failure of, partial or delay of performance.



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8.2

If such Party claiming Force Majeure fails to notify the other Party and furnish it with proof pursuant to the above provision, such Party
shall not be excused from the non-performance of its obligations hereunder. The Party so affected by the event of Force Majeure shall use reasonable efforts to minimize the consequences of such Force Majeure and to promptly resume performance
hereunder whenever the causes of such excuse are cured. Should the Party so affected by the event of Force Majeure fail to resume performance hereunder when the causes of such excuse are cured, such Party shall be liable to the other Party.

8.3

In the event of Force
Majeure, the Parties shall immediately consult with each other to find an equitable solution and shall use all reasonable endeavors to minimize the consequences of such Force Majeure.

9.

Notices

9.1

All notices and other
communications required or permitted to be given pursuant to this Agreement shall be delivered personally or sent by registered mail, postage prepaid, by a commercial courier service or by facsimile transmission to the address of such Party set
forth below. A confirmation copy of each notice shall also be sent by email. The dates on which notices shall be deemed to have been effectively given shall be determined as follows:

9.1.1

Notices given by personal
delivery, by courier service or by registered mail, postage prepaid, shall be deemed effectively given on the date of receipt or refusal at the address specified for notices.

9.1.2

Notices given by
facsimile transmission shall be deemed effectively given on the date of successful transmission (as evidenced by an automatically generated confirmation of transmission).



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9.2

For the purpose of notices, the addresses of the Parties are as follows:



|         |  |                                                                                                            
|-------- |  | -----------------------------------------------------------------------------------------------------------
|Party A: |  | Shanghai Techuang Advertising Co., Ltd.                                                                    
|         | 
|Address: |  | Room 651, Floor 6, New Century Hotel Office, No.6 , Capital Gymnasium South Road, Haidian District, Beijing
|         | 
|Attn:    |  | Bin Li                                                                                                     
|         | 
|Phone:   |  | +8610 6849 2345                                                                                            
|         | 
|Party B: |  | Beijing Yixin Information Technology Co., Ltd.                                                             
|         | 
|Address: |  | Room 651, Floor 6, New Century Hotel Office, No.6 , Capital Gymnasium South Road, Haidian District, Beijing
|         | 
|Attn:    |  | Bin Li                                                                                                     

9.3

Any Party may at any time change its address for notices by a notice delivered to the other Party in accordance with the terms hereof.

10.

Assignment

10.1

Without Party As
prior written consent, Party B shall not assign its rights and obligations under this Agreement to any third party.

10.2

Party B agrees that Party A may assign its obligations and rights under this Agreement to any third party and in case of such assignment, Party
A is only required to give written notice to Party B and does not need any consent from Party B for such assignment.

11.

Severability

In the event
that one or several of the provisions of this Agreement are found to be invalid, illegal or unenforceable in any aspect in accordance with any laws or regulations, the validity, legality or enforceability of the remaining provisions of this
Agreement shall not be affected or compromised in any aspect. The Parties shall negotiate in good faith to replace such invalid, illegal or unenforceable provisions with effective provisions that accomplish to the greatest extent permitted by
law and the intentions of the Parties, and the economic effect of such effective provisions shall be as close as possible to the economic effect of those invalid, illegal or unenforceable provisions.



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12.

Amendments and Supplements

Any amendments and supplements to this Agreement shall be in writing. The amendment agreements and supplementary agreements that have been
signed by the Parties and relate to this Agreement shall be an integral part of this Agreement and shall have the same legal validity as this Agreement.

13.

Language and Counterparts

This Agreement is written in both Chinese and English language in two copies, each Party having one copy. In case there is any conflict
between the Chinese version and the English version, the Chinese version shall prevail.



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IN WITNESS WHEREOF, the Parties have caused their authorized representatives to execute this Exclusive Business
Cooperation Agreement as of the date first above written.



|                                                      |  |                                               
|----------------------------------------------------- |  | ----------------------------------------------
|Party A:                                              |  | Shanghai Techuang Advertising Co., Ltd.       
|                                                     
|Shanghai Techuang Advertising Co., Ltd. (Seal)       
|                                                      | 
|By:                                                   |  | /s/ Bin Li                                    
|                                                      | 
|Name:                                                 |  | Bin Li                                        
|                                                      | 
|Title:                                                |  | Legal Representative                          
|                                                      | 
|Party B:                                              |  | Beijing Yixin Information Technology Co., Ltd.
|                                                     
|Beijing Yixin Information Technology Co., Ltd. (Seal)
|                                                      | 
|By:                                                   |  | /s/ Bin Li                                    
|                                                      | 
|Name:                                                 |  | Bin LI                                        
|                                                      | 
|Title:                                                |  | Legal Representative