The user has never been overdue during the student loan repayment period. Because overdue student loans will be reported to the central bank for credit reporting, and if the user's credit situation is not good, it will naturally affect the approval results of the car loan, making the bank think that the user has no willingness to repay and has poor credit awareness.

In addition, if the user fails to apply for approval at the bank, they can try to apply at Manufacturer Finance or other financial institutions, and the threshold will be relatively low.