1. If you directly apply for a loan to buy a car with the current excessive debt, you can't provide enough proof of economic income when handling it, which may affect the approval of the car loan. Perhaps banks (auto consumer finance companies) will refuse to issue loans because they are worried that their customers will not have enough repayment ability. Even if they can get a loan, it is estimated that the amount approved will not be too high.
2. It is best to suspend the car loan, first find a way to repay the debts under your name, and pay them off at one time, even if you can't pay them off temporarily, as much as possible, and then apply for a car loan after reducing your personal debt ratio.
3. When handling car loans, you should try to provide personal income, assets and financial proof (such as bank running water, deposit certificate, house ownership certificate, etc.). Let the bank (auto consumption finance company) know that it has the ability to repay the loan principal and interest on time.
4. You can choose to increase the down payment and reduce the loan amount, so that the car loan will be better approved. In order to increase the chances of being approved when applying, you can also find a guarantor with good credit.