If the car loan is not repaid on time, the financier regards the overdue payment as a high-risk loan and a bad asset, and provides false information or materials when applying for the car loan.

1, overdue repayment of car loan: banks or auto financing companies will send text messages to remind users to repay in time.

2. The financier regards the overdue payment as a high-risk loan: it will take some measures to reduce the risk, such as transferring the overdue payment to a collection company or treating it as a non-performing asset.

3. Overdue funds are regarded as non-performing assets: the financier will take some measures to reduce losses, such as selling them to other companies or institutions.

4. Provide false information or materials when applying for car loan: If you provide false information or materials, or have other violations, you will also receive such text messages.