1. Delaying the repayment of car loans for one month will affect personal credit records, resulting in overdue handling fees and interest.

2. If there is no money for only one month, pay off the loan principal interest for these two months before the interest settlement date of next month.

3. However, during the period from the interest settlement date of this month to the next interest settlement date, unpaid interest will generate penalty interest.

According to China's credit-related regulations, bad credit records will only appear if the loan or credit card is overdue for more than 3 times or more than 90 days, which will be automatically controlled by the system.