As long as the bank loan is not overdue too many times, you can apply, and the income certificate needs to be filled in higher, because the loan is a debt, and the monthly income should cover the monthly payment of the loan plus the monthly payment of the mortgage car. If it can't be covered, it may lead to the failure of applying for a car loan, because there is no normal source of repayment if the income can't be covered.

The process is as follows:

1. The borrower applies to the loan bank for personal automobile mortgage;

2. The buyer selects the car at the bank's special dealer and signs a car purchase agreement or contract;

3. Sign the contract after approval;

4. Loans from banks or financial companies;

5. Go through the formalities of notarization and mortgage of automobiles;

6. After the loan is paid off, the bank or finance company will cancel the pledge certificate and return it to the customer;