Legal analysis: directly ask ssss for keys and motor vehicle registration certificate.

Legal basis: "Measures for the Administration of Automobile Consumption Loans" Article 21 After the borrower repays the loan principal and interest, the loan contract is automatically terminated. The lender shall go through the formalities for cancellation of mortgage or pledge registration within 30 days after the termination of the loan contract, and return the property right certificate or pledge certificate to the borrower.