Legal analysis: If the user’s overdue situation is not serious and the user has paid off the loan, he or she can buy a car. However, if the user’s overdue situation is serious, such as three consecutive overdues within two years or a total of six overdues, or If the overdue period reaches 90 days and is blacklisted by the bank, you will not be able to apply for a loan to buy a car. You can only apply for a loan after your bad records are eliminated.

Legal basis: Article 669 of the "People's Republic of China and Civil Code" When entering into a loan contract, the borrower shall provide information on business activities and financial status related to the loan as required by the lender. Real situation.