According to the law chart query, you can apply for a deferred repayment if your car loan is overdue. When you are temporarily unable to repay your car loan on time, you can proactively contact the lending institution to submit an application for deferred repayment. The lending institution will review the reasons for the deferral of repayment and relevant supporting materials and decide whether to approve the deferment. It should be noted that deferred repayment may incur additional interest or fees, and the extension of the loan period is also subject to certain restrictions. For example, the extension period of a new car loan shall not exceed half of the original loan period, and the extension period of a long-term loan shall not exceed 3 years. The extension period of a second-hand car loan plus the original loan period usually does not exceed 3 years. In addition, when applying for deferred repayment, it is usually necessary to provide relevant supporting materials including proof of termination of labor contract, hospital diagnosis certificate, hospitalization note, and medical expense receipts. If you are unable to repay on time, it is recommended to communicate with the lending institution in time to avoid affecting your personal credit record.