1. Understand the loan conditions: First of all, you need to confirm whether there are any clauses in your car loan contract that can apply for deferred repayment. If there are relevant regulations, you can continue to go down; If not, you need to contact financial institutions or lenders to consult whether there are relevant policies.

2. Contact with financial institutions or lenders: You can contact lenders by telephone, email or online service platform. Explain your situation to them and ask for a one-month delay in repayment.

3. Provide relevant supporting documents: When contacting the lender, you may need to provide some supporting documents to support your extension request. For example, you can provide a written extension request letter, explain the reasons for the extension, and attach relevant supporting materials (such as illness certificate, work adjustment certificate, etc.). Ensure that the documents provided are true and valid and consistent with the reasons for the extension.

4. Comply with the requirements of the lender: In the process of applying for deferred repayment, financial institutions or lenders may require you to operate according to their regulations. You need to pay attention to and abide by their requirements and provide the required documents and information in time.

5. Confirm the extension agreement: After the application and data review, the lender will reach an extension repayment agreement with you. You need to read the agreement carefully and make sure that you can fulfill your repayment obligations according to the agreement.

6. Repayment on time: After the extension agreement comes into effect, you need to repay according to the time and amount agreed in the agreement. Ensuring timely repayment can maintain a good credit record and avoid unnecessary interest and fines.

Regarding the situation of multi-head lending, in addition to the blacklist of overdue online loans, the situation of multi-head lending will also cause vigilance. Winnie Hsin and other platforms can be used to check the recent application of individuals in lending institutions. It is suggested to stop all loan-related operations for at least three months before applying for deferred repayment of car loans, so as to reduce the risk index and avoid further deterioration of the blacklist.