Legal analysis: it needs to be returned. Vehicles are mortgage assets of credit loans. If the loan is successfully handled, the loan still needs to be paid off normally, regardless of the amount of assets. Mortgaged assets can only ensure that the parties can sell them as collateral when the loan is not repaid. If the mortgaged assets of the parties disappear unexpectedly, the car loan company also has the right to mortgage other assets of the responsible person, and don't think about evading the responsibility of repaying the loan. This is illegal and will lead to economic disputes.

Legal basis: Article 67 1 of the Civil Code of People's Republic of China (PRC). If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.