Legal analysis: regarding the overdue car loan, I made the following legal inquiry: the car loan is overdue for 3 days and has no effect. If it is 7 days overdue, I will definitely communicate with the bank by phone to explain the situation, without malice and without serious consequences. Generally speaking, after 90 days overdue, you will go to the bank for a meeting to collect information. If the overdue car loan is towed away, you can choose to call the police for mediation, or bring a civil lawsuit to the court where the other company is located, demanding the return of the original. As for the towing fee and additional loan, if there is no agreement in the contract, it is not necessary to pay, and the other party may be required to bear personal losses during towing. If it is a car financing loan, the car has been towed away. In addition to timely repayment, we have to pay a certain towing fee. It is recommended to return it as soon as possible, so as not to affect personal credit history. Generally speaking, only people with very bad overdue behavior can be dragged away by lending institutions. If both parties have made it clear how long it will be overdue when signing the loan contract, then the financial institution will tow the car away according to the contract. If there is no agreement in the loan contract to tow the trailer overdue, it depends on the actual situation. There are usually three factors that will affect the trailer speed. 1. Repayment attitude If the borrower has been communicating with the collection staff after the deadline and has a positive repayment attitude, it will not be easily towed away. So communication after the deadline is very important. Don't refuse to answer the phone. 2. Past Records If the borrower has a good past repayment record and can repay in full and on time, and this overdue is only an example, then the financial institution will not easily tow the car away. 3. Repayment ability If the debtor has a good repayment ability and the overdue is only due to special reasons, then the financial institution will also give the debtor a certain buffer time and will not easily tow the car. To sum up, how long the car loan will not last depends on the specific situation. Generally speaking, only those with bad overdue behavior and long-term arrears can be towed away by financial institutions.

Legal basis: Article 676 of the Civil Code of People's Republic of China (PRC). If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.