1. First of all, although the overdue repayment two years ago will have a certain impact on the loan application, as long as the overdue payment has been paid off now, the borrower's credit rating is expected to be restored.

Secondly, another factor that needs to be considered when buying a car with a loan is the income of the borrower. Banks usually review the source of income, stability and repayment ability of borrowers to assess whether they have the ability to borrow money to buy a car.

3. In addition, the borrower's personal credit record will also be focused on. If the lender can establish a good credit record during and after the overdue period, such as timely repayment, credit card use norms, etc. , which will help to improve the pass rate of loan applications.

4. Summary: Although the overdue repayment record two years ago will have a certain negative impact on the loan application, it is still possible for the borrower to apply for a loan to buy a car as long as it has been paid off now and has a stable income source and a good credit record.

Additional information:

If other important factors are not mentioned in the question, we assume that the borrower has no other bad credit record at present and has a source of income that meets the requirements of bank loans for car purchase. In addition, different banks may have different requirements and policies for car loans. Please consult the specific bank for the most accurate information before handling the loan. Remember, paying off overdue payments in time and maintaining a good credit record are the keys to improving the loan application rate.

The above is based on the answer that the borrower has paid off the past overdue payments. I hope it helps you.