Depending on your situation, having a large online loan history and 20 other applications may have some impact on your car loan application. However, if all of these online loans have been closed for a year, your Big Data composite credit score may not be greatly negatively impacted. Here's what happens:

1. A high number of online loans may be a cause for concern for lenders, as they may doubt your ability to repay them. However, the fact that these loans were settled and a year has passed shows that you have a good repayment record and the ability to repay your debts.

2. Lenders are more interested in your current credit profile, including your income, job stability, and other credit indicators. If you perform well in these areas, the approval rate for a car loan remains high.

3. It is recommended that you first check your big data composite credit score on Eagle Heart or other similar platforms. A higher score means you have a better credit profile and the probability of success will increase.

Summary: Although a large number of online loan records may have some impact on car loan applications, as long as you have a good credit standing, your loan records have been closed, and you have a higher score after a comprehensive credit score, the probability of successfully obtaining a car loan is still high.