1. Credit record: repayment of online loans will be recorded in one's credit report. If an online loan is overdue or has other bad records, it will have a negative impact on a person's credit assessment and reduce the chances of getting a car loan.

2. Debt burden: Online loans require monthly repayments, which will increase one's debt burden. Banks will consider the debt-to-income ratio when approving an auto loan, and if the debt is too high, it may be considered as not having the ability to repay, thus affecting the outcome of the application for a loan to buy a car.

3. Income stability: The repayment amount of an online loan needs to be paid out of income. If the online loan takes up a large percentage of the income, the bank may be concerned about the stability of the individual's income, which in turn may affect the outcome of the approval of the loan to buy a car.

In summary, the presence of online loans may have some impact on the application for a loan to buy a car, mainly in terms of credit history, debt burden and income stability. Timely repayment, reasonable arrangement of debts and maintaining a stable source of income can improve the success rate of loans to buy cars.

Additional information: In China, personal credit history is very important for approval of a loan to buy a car. It is advisable to carefully consider one's repayment ability before borrowing in order to avoid a poor record affecting future borrowing needs. In addition, understanding debt management and sensible planning of borrowing may help maintain one's credit rating.