After I bought a car for my friend, the question of who will repay the loan needs detailed analysis. The owner and the lender must be the same person. Under normal circumstances, as long as the car loan is not paid off, the car cannot be transferred. Therefore, when the loan is not transferred, the repayment is still the original owner. When the lender also made a transfer, the subsequent loan was repaid by a friend.

First of all, when the car loan is not repaid, the car usually cannot be transferred because of the ownership.

The owner and the lender are the same person, and the safety factor is very high. Therefore, the car loan, whether in the bank or through other channels, cannot be transferred as long as it is not returned. Because when applying for a car loan, the ownership of the car will change. After the loan institution registers, the mortgage of the car is on the side of the loan institution. If the mortgage registration of the car has not been revoked, the car lender cannot trade the car or transfer the ownership.

Second, the vehicle can be transferred after the loan is paid off.

In view of the principle that the owner and the lender must be the same person, the original owner can pay off all the car loans first and then discuss the transfer with the owner. The original owner can also negotiate with the rear owner to let the rear owner pay off the remaining car loan in one lump sum, and then go through the next vehicle transfer formalities after the original owner pays off all the car loans and cancels the vehicle mortgage registration. This method is that the original owner pays off the loan and then transfers the right to use and ownership of the vehicle to the latter.

Third, through tripartite negotiation, the car can be transferred, and so can the lender.

If the original owner is in urgent need of money, it is extremely necessary to transfer the vehicle, and the car loan has not been paid off when the vehicle is transferred. The original owner and subsequent owners can prepare all relevant certificates and complete all procedures required for the transfer, and then the transferred owner agrees to take over the loan, plus the approval of the lending institution and the agreement of the three parties.

Generally speaking, the person who repays the car loan depends on the owner. When the car loan has not been repaid and has not been transferred, the repayment person is the original owner. Car loan repayment can also be negotiated and transferred, so it is a friend's repayment.