No, just check the applicant's credit. Car loans do not require credit information from both husband and wife, but only from one husband and wife. When buying a car with a loan, generally only the buyer's credit information will be checked, not the spouse's, so it is best to choose the one with better credit information as the buyer to apply for a car loan.

If you are married, you should check not only your personal credit, but also your spouse's credit. And even if you borrow money to buy a car in your own name and your personal credit record is good, as long as you find that your spouse's credit record is not good, the bank will doubt your family's repayment ability and credit, and you will be more cautious when lending. When checking credit information, we will generally focus on the credit information records of the past two years. However, if there have been serious overdue cases before, such as "three consecutive years, six consecutive years", even two years ago, banks and lending institutions will ignore it and it is difficult to apply for loans. Even if they apply, the amount may be low and the interest rate may be high. Generally speaking, neither car dealers, banks nor financial companies will check the credit information of the lender's spouse. Although the car was bought in your name, the bank probably won't approve it if your other half has the following credit problems:

1. If the repayment is overdue for more than 2 times, personal credit information will be greatly affected. This item is of great concern to banks in the audit process. In addition, if it is overdue for more than 3 months, it may be entered into the credit information system, and in serious cases, it will be sued to the court to auction the vehicle to pay off the debt.

2. If the repayment is overdue for more than 90 days, the credit will be recorded as bad credit. Of course, if it is overdue within 3 months, it will generally be reminded by phone.

Overdue credit information will be recorded within 3.60 days.

4. Illegal sending by credit card.

5. When guaranteeing for others, the guarantor fails to fulfill the repayment obligation on time.

If the above problems happen unfortunately, you can try the following remedies:

1, credit coverage, if you are not in a hurry to buy a car, you can use this method. Generally speaking, credit problems will be kept for 5 years, and will be automatically deleted after 5 years, but general bank loans only depend on your repayment record of 1-2 years. If you repay the loan on time in the past two years, the probability of getting the loan is still relatively high.

2. Ask the bank if it can issue a certificate of unintentional overdue and how many times it has defaulted.

3. Ask the bank more. After all, each bank's loan approval criteria are different.

4. In case the bank fails to pass the audit, you can try to borrow money from the car dealer finance or finance company. Although the interest rate may be higher than that of the bank, if you can get a loan, you can still solve the urgent need.

Do you need both husband and wife's credit information for car loans?

Generally speaking, car loans do not require credit information from both husband and wife, but only from one husband and wife.

1. Does the car loan check the credit information of both husband and wife?

I will. When a married person applies for a bank loan, the bank will review your and your spouse's credit history when reviewing the loan. If the spouse's loan is overdue many times.

Even if you buy a car with a loan in the name of husband and wife, even if the lender has a good credit record, the bank will doubt the repayment ability and credit degree of the family, and will be more cautious when lending.

Second, the loan conditions:

1, with valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Three. Application materials:

1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;

2, occupation and economic income certificate, personal account for nearly 6 months running list;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the Cooperation Organization.

Extended data:

Specific process

1. Apply for a car loan. After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the Application Form for Automobile Consumption Loan and the Investigation Form for Credit Information, and submit them to the loan bank together with relevant certificates of personal situation.

2. After receiving the application, the bank will conduct pre-loan investigation and approval.

3. After examination, the bank informs the borrower to fill in various forms, as well as loan contract, guarantee contract and mortgage contract, and go through mortgage registration and insurance procedures.

4. Banks issue loans.

5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.

Do I need to check the credit information of both husband and wife when buying a car?

Take China Construction Bank as an example: when buying a car, only check the credit information of the loan applicant.

1. Loan target: 18 to 60 years old, natural person with full civil capacity;

Two. Application materials to be provided:

1, personal loan application;

2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;

3. Household registration certificate or long-term residence certificate;

4, personal income certificate, provide proof of family income or property when necessary;

5. Certificate of intention to buy a car issued by the car dealer;

6. Proof of down payment for car purchase;

7. If the purchased vehicle is secured by other means other than mortgage, relevant materials for the guarantee shall be provided.

Because the loan object and loan information belong to the loan itself, that is, the husband and wife, anyone who applies for a loan to buy a car can check his credit information.

Extended data:

Processing flow:

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;

4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

5. loan settlement. Loan settlement includes normal settlement and early settlement.

Do you need credit information from both husband and wife to buy a car loan

If you are married, when the applicant applies for a car loan, the agency will check the credit information of the applicant and his spouse. Because car loans are mortgage loans, it is necessary to check the credit information of both husband and wife. If one spouse has a bad credit report, it will affect the approval of car loan.

Car loan is a credit car loan issued by the bank for car buyers who lack funds. To apply for this loan, you must meet certain application conditions, such as holding a car purchase contract or agreement approved by the lender, having a stable job and being able to repay the principal and interest of the loan on time.

Loan method:

First, buying a car by installment with a credit card is not a general sense of buying a car with a credit card. It is greatly limited in the amount and repayment interest rate. The credit card limit cannot exceed the credit limit of the credit card, which is suitable for consumers who lack a small amount of car purchase funds.

Second, auto finance company loans SAIC-GM and Toyota auto finance company have achieved profitability, and auto finance is being regarded by auto companies as a magic weapon to save the depressed auto market.

Third, the bank personal car loan is a guarantee loan provided by banks and car dealers for the one-time payment of the car purchase money, and the insurance and notarization institutions jointly provide insurance and notarization for the car purchase money.

Processing flow:

First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.

Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If the loan is unsecured, there is no need to sign such a contract.

Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.