Generally, overdue car loans cannot exceed 3 days at most. When applying for a car loan in a bank, loans overdue can't be more than 3 days at most without affecting the credit information. Overdue for more than 3 days will leave a bad repayment record on the credit report. If you apply for a car loan in a financial institution, the grace period for repayment is generally 10 days, and the overdue period cannot exceed 10 days at most. More than 10 days, personal credit will be affected. Of course, different lending institutions have different requirements. Please refer to the requirements of lending institutions for the specific repayment grace period.

The influence of automobile loans overdue

1. Bad credit is generated. If you get an auto loan through an auto financing institution, once it is overdue, the personal credit report will leave an overdue record. If the overdue times are few and the amount is not large, and the overdue amount and overdue interest are replenished in time, it is an ordinary overdue record. If the overdue amount is large and overdue for a long time or many times, it will be pulled into the credit blacklist.

2. There will be penalty interest. If the record is overdue due to its own reasons, it will not only generate penalty interest, but also directly affect the loan processing.

3. Being blacklisted, life is hard to move. If you maliciously default on your car loan, you may be blacklisted directly, which will not only affect your daily life such as flying, high-speed rail and accommodation, but also lead to more penalties and living restrictions in the future with the expansion of credit record business.

4. Bring a lawsuit to the court. If the auto loan continues to be in arrears, the auto financing institution will collect the loan according to law and bring a lawsuit to the court according to the loan and mortgage-related contracts. The court will take measures such as property preservation, including freezing all bank accounts of lenders and borrowers or guarantors and sealing up pledged property.

5. Execute the judgment. After the judgment is made, the property will be enforced (withholding deposits, confiscation of collateral, etc.). ) Pay off the loss of automobile loan according to law. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest and all expenses arising therefrom.