The car loan is repaid in 36 months (every year 12 months), that is, in three years. Generally, the repayment starts from the second month after the loan is approved. For example, if the installment repayment of the automobile loan applied by the user is paid off within three years, if the loan date is 65438+1October 25th and the repayment date is15th every month, then the first repayment time of the automobile loan is February 25th, and if the repayment lasts for 36 months, it will be repaid until 65438+ 10 three years later. When to get a car loan depends on the time of the loan issuance date and repayment date after the loan is approved.