When a user applies for a car loan in a bank, the overdue loan cannot exceed 10 days at most, and there will be a bad credit record as long as it exceeds 10 days; If a user applies for a car loan from a financial institution, the repayment buffer period is generally 10 day, and the longest overdue period cannot exceed 10 day, which will affect personal credit information; However, different types of lending institutions have different provisions, and the specific repayment buffer period should be subject to the provisions of lending institutions; Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at special dealers. The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal of the bank to the consumers (that is, borrowers) who buy their own cars (non-profit family cars or commercial cars with seven seats or less). The higher the interest rate, the greater the repayment amount of consumers.