1. If the car loan is overdue, the consequences are as follows:

(1) The auto lender shall bear the overdue penalty interest;

(2) Leave a stain on the national credit information system;

(3) It has not been sued by a lending institution for a long time,

(4) Causing legal disputes;

(5) Can't enjoy preferential loans;

(6) being sued by a lending institution.

2. Legal basis: Article 676th of the Civil Code of People's Republic of China (PRC).

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.

2. What if the borrower has loans overdue?

1. Pay off the arrears in time. When you find that you borrowed from loans overdue, you should first pay off the loan in time. If it is paid off within the grace period of repayment, it will generally not affect the personal credit record;

2. Actively communicate with employees. After paying off all overdue debts, the borrower should take the initiative to communicate with the staff of the lending institution, explain the overdue situation and reasons, and indicate that the overdue is not malicious and request a lighter treatment;

3. Develop good habits. If the bad credit record cannot be deleted, the borrower needs to repay the loan on time. Generally, after five years, personal credit can be automatically updated.