Legal analysis: during the epidemic, car loans should be repaid in time according to regulations. If it is really impossible to repay the car loan on time because of the epidemic, you can apply for an extension of repayment of the car loan, and then repay it after the epidemic is over, so that the credit information will not be affected.

Legal basis: Measures for the Administration of Automobile Loans

Article 2 The term "automobile loan" as mentioned in these Measures refers to the loan granted by the lender to the borrower for purchasing automobiles (including used cars), including personal automobile loans, dealer automobile loans and institutional automobile loans.

Article 3 The term "lender" as mentioned in these Measures refers to commercial banks, rural cooperative banks, rural credit cooperatives and non-bank financial institutions established in People's Republic of China (PRC) according to law and approved by the China Banking Regulatory Commission and its dispatched offices to engage in RMB loan business.