Detailed description:

1. Overdue will affect personal credit record: if the car loan is overdue, the bank or financial institution will record this information in the personal credit report, which may lower the personal credit rating. The decline of credit rating may cause difficulties in applying for loans, credit cards and other financial products in the future.

2. It may increase the borrowing cost: overdue repayment may lead to penalty interest and late fees, thus increasing the total loan cost. In addition, banks or financial institutions may adjust the loan interest rate because of overdue behavior, further increasing the borrowing cost.

3. Debt to be recovered: In case of long-term non-repayment and inability to contact the borrower, the bank or financial institution may take measures to recover the debt, such as entrusting a collection company to collect the debt, or even taking legal measures to solve the debt problem.

Summary:

The recent overdue car loan may have a negative impact on the loan, including personal credit record damage, increased borrowing costs and possible debt recovery.

Extended data:

Overdue repayment means that the borrower fails to repay the loan at the time and amount agreed in the contract. Overdue repayment will have a negative impact on personal credit records and may be included in the credit information system. Personal credit record is an important indicator to measure a person's credit status, which has great influence on loans, credit cards, renting houses and so on. Therefore, in order to maintain personal credit status and financial stability, it is very important to pay off the car loan or repayment on time.