1, car loan collection is legal. Defined as follows:

(1) The telephone collection time should be from 8 am to 8 pm 18 am;

(2) The number of collection calls on the same platform on the same day is generally no more than 3 times;

(3) You can't harass the borrower's family, friends, colleagues and work units without permission, that is, the address book is exploded.

2. Legal basis: Article 42 of the People's Republic of China (PRC) Public Security Administration Punishment Law.

One of the following acts shall be detained for not more than five days or fined not more than five hundred yuan; If the circumstances are serious, they shall be detained for more than five days and less than ten days, and may be fined up to five hundred yuan:

(1) writing threatening letters or threatening the personal safety of others by other means;

(2) publicly insulting others or fabricating facts to slander others;

(3) fabricating facts, falsely accusing and framing others, and attempting to subject others to criminal investigation or public security administration punishment;

(4) Threatening, insulting, beating or retaliating against witnesses and their close relatives;

(5) sending obscene, insulting, intimidating or other information for many times to interfere with the normal life of others;

(six) voyeurism, sneak shots, eavesdropping, spreading the privacy of others.

Second, what conditions do you need to get a car loan?

1, with valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.