There is generally no problem when the car payment is overdue for three days, and the lending institution will think that it is non-malicious overdue and will not sue. If it exceeds 90 days, it will generally be regarded as malicious overdue. If the urging fails, they will generally be prosecuted and take legal measures, such as compulsory auction of vehicles to pay off the arrears. The bad credit problem caused by the overdue car loan for three years will not only increase the penalty interest, but also leave a record on the personal credit report, which will affect the future loan situation. If you want to take back the car after the car loan is overdue for 3 years, you can negotiate with the lending institution to see if the original car is still there. If there is no auction yet, we can negotiate how to solve it, such as paying off the loan interest. Or if it is in the prosecution stage, it can be resolved according to the contents of the ruling. Generally, overdue car loans will increase the penalty interest rate, that is, the interest after loans overdue is calculated according to the penalty interest rate, and the penalty interest rate of each bank is different. Most banks stipulate that the penalty interest rate will rise by about 30%-50% on the basis of the previous loan interest rate. Suppose the car loan principal is 4000 yuan, the loan interest rate is 6%, and the penalty interest is 9% after 50% floating. Then the interest required for overdue car loan of 4,000 yuan is 4,000× (6% ÷ 365×150% )×1= 0.986 yuan. The phenomenon of overdue car loans not only costs more money, but also damages personal credit. Therefore, it is suggested that it is best to remit the money to the corresponding lending institution a few days before the repayment date to avoid the phenomenon of overdue car loans.