Legal analysis: users take the vehicle as collateral, that is, they hand over the ownership of the vehicle to the financial company. Therefore, when a vehicle is towed away by a finance company, the user should know the reason for towing away and negotiate with the finance company. Users need to agree the repayment time and date with the financial company to prevent overdue repayment, so that the financial company will return the car.

Legal basis: Article 388 of the Civil Code of People's Republic of China (PRC) establishes the security interest, and the security contract shall be concluded in accordance with the provisions of this law and other laws. Guarantee contracts include mortgage contracts, pledge contracts and other contracts with guarantee functions. The guarantee contract is a subsidiary contract of the main creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law. If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults.