If the car loan is not prosecuted, if the circumstances are serious, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine. If the court knows that it has assets in its name and is able to repay the loan without paying it back, it can be sentenced according to relevant laws and regulations. If the user is enforced by the court and fails to return the car loan, it will be listed as the untrustworthy executor. After being listed as an executor of dishonesty, spending, traveling, and children attending private schools. It will be affected, and it will also affect users' job hunting. After the user is sued, as long as the arrears are paid off as soon as possible, the lending institution will withdraw the lawsuit.

When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law. If there is corresponding property, it shall be sealed up and frozen until the loan is paid off. If there is no executable property under the name of the lender, refusing to perform the effective judgment of the court will have a direct impact on personal credit information.

Legal basis: Article 236 of the Civil Procedure Law of People's Republic of China (PRC).

If the person subjected to execution or the property subjected to execution is in other places, the local people's court may be entrusted to execute it on his behalf. After receiving the power of attorney, the entrusted people's court must start execution within 15 days and may not refuse. After the execution is completed, the people's court shall be informed of the execution results in writing in a timely manner; If the execution is not completed within 30 days, the entrusted people's court shall also be informed of the execution.

If the entrusted people's court fails to execute it within 15 days from the date of receiving the power of attorney, the entrusted people's court may request the people's court at a higher level of the entrusted people's court to instruct the entrusted people's court to execute it.