1. First of all, the best solution is to pay off the loan debt as much as possible before applying for a bank loan to reduce the personal debt ratio.

Secondly, don't apply for any online loan within three months, and cover the credit, that is, increase the personal credit record.

3. Finally, if you frequently apply for online loan records before covering, and then try to apply for car loans, you will have a chance to pass the examination and approval.