1. Contact the bank: contact the car loan bank and explain that the certificate is lost, and ask for a written application stating that the settlement certificate needs to be reissued.

2. Provide relevant information: the bank will require some identity authentication and relevant information to verify the identity and loan information, and provide the required documents and information to meet the requirements of the bank.

3. reissue the settlement certificate: according to the requirements of the bank, you need to pay a certain fee or provide some additional documents and reissue the settlement certificate according to the instructions.