Banks have no right to impound cars. If the borrower fails to repay the arrears, the bank will generally make a dunning first through SMS, telephone and other channels. If the user still fails to repay the loan and it is overdue for more than 3 months, the bank can choose to sue the borrower. At that time, the court will decide whether to freeze the borrower's property according to the amount owed and the overdue time, so the court may seize the car.