Legal analysis: if the car loan is overdue, it will have the following consequences: overdue interest will be generated on a daily basis, and the longer the overdue time, the more overdue interest will be; After the deadline, the bank will send a collection message to the user, and will make a collection call if it fails to repay for a long time; From the date of overdue, overdue records will be reported to the credit bureau, and the longer the overdue time, the greater the adverse impact on the credit bureau. Therefore, for users, the consequences of overdue credit cards for car loans are more serious. Users must pay attention to repayment on time, and settle the arrears as soon as possible even if it is overdue.

Legal basis: Article 42 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall repay the loan principal and interest on schedule. If the borrower fails to repay the secured loan at maturity, the commercial bank has the right to require the guarantor to repay the principal and interest of the loan or give priority to the repayment of the collateral. Real estate or equity acquired by a commercial bank due to the exercise of mortgage or pledge shall be disposed of within two years from the date of acquisition. If the borrower fails to repay the credit loan at maturity, it shall bear the responsibility in accordance with the contract.