According to relevant laws and regulations and bank policies, you can apply for deferred repayment of auto loans. The borrower shall apply to the lending institution for deferred repayment in advance and submit the corresponding application materials within the agreed time. Lending institutions will evaluate the borrower's situation and the rationality of the application, and if they meet the conditions, they will usually extend the repayment period. Delayed repayment will generate extra interest or handling fee, and the borrower should communicate with the lending institution in time and understand the specific deferred repayment policies and fees.