Legal analysis: I authorize others by legal means, so the authorized person can handle the loan business of buying a car on behalf of the user himself. Of course, if the lending institution does not support car loan agency, then the user must go to the scene to handle the car loan business. Therefore, before handling the car loan, the user himself can first consult the lending institution whether it supports authorizing others to handle the car loan.

Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank. When a commercial bank issues a loan, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.