Need. According to the query information of Baidu Encyclopedia, I generally need to handle the car loan business in person. From a legal point of view: if the lending institution does not support car loan agency, then the user must go to the outlet to handle car loan business. Before handling the car loan, users can first consult the lending institution whether it supports authorizing others to handle the car loan. Some documents will need to be signed by the lender himself, but the client can't sign them.