Legal analysis: If the overdue situation is not serious and has been paid off, the user can borrow money to buy a car. However, if the user's overdue situation is serious, such as three consecutive overdue or six overdue in two years, or the overdue days reach 90 days and are blacklisted by the bank, he cannot apply for a loan to buy a car. You can't apply for a loan until the bad record is eliminated.

Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide true information about the business activities and financial status related to the loan according to the requirements of the lender.