1. If you have a criminal record and have no credit problems, you can get a loan. There is no law that people who have had criminal cases cannot apply for loans or credit cards in banks. People who have had criminal cases can apply for loans or credit cards from banks like ordinary people. Car loan is a consumer loan, and banks will decide whether to issue loans by measuring the borrower's repayment ability on the basis of considering the debt situation.

2. Legal basis: Article 18 of the General Principles of Loans.

Rights of the borrower:

(a) Being able to independently apply for loans from the host bank or other banking institutions and obtain loans according to conditions;

(two) have the right to withdraw and use all the loans as agreed in the contract;

(3) Have the right to refuse additional conditions other than the loan contract;

(4) Have the right to report relevant information to the superior bank of the lender and the People's Bank of China;

(5) With the consent of the lender, the lender has the right to transfer the debt to a third party.

2. What are the procedures for handling unsecured loans?

1. Basic information submitted by the customer, including work unit and contact telephone number;

2. The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed and small and medium-sized enterprises;

3. The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.