You can return it. If the used car loan can be refunded after completion, you need to bear the liquidated damages for the termination of the contract. According to the provisions of Article 48 of the Law of People's Republic of China (PRC) on the Protection of Consumer Rights and Interests, the goods or services are defective and sold without explanation because they do not have the performance that the goods should have; Business operators who fail to fulfill their obligations to protect consumers' safety and cause damage to consumers shall bear tort liability. Therefore, after the second-hand car loan is completed, it can be refunded, and it is necessary to negotiate with the operator and pay the liquidated damages according to the contract.