Both husband and wife apply for a car loan together. If one of them has bad credit, it is suggested that he give up the loan and the one with good credit applies for a car loan separately.

Second, the specific analysis

After all, it is difficult to solve the problem of bad credit in a short time (for example, overdue records are usually kept for at least five years before being deleted after paying off debts), and banks (auto consumer finance companies) will check the credit information in the past two years when approving loans. Once they find bad records on credit information, most of them will refuse to approve loans.

Therefore, in order to handle the car loan smoothly, couples with bad credit can only choose to quit.

Of course, if you originally applied for a car loan in your own name and your credit is good, even if your spouse's credit is not very good, there is not much problem. Car loan mainly depends on your personal credit, and spouse credit has little effect on loan approval.

In this regard, according to the process, you can prepare personal related materials and submit a loan application. After the approval of the bank (auto consumption finance company), the loan funds will be issued.

Online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: A quick search by Bejian can generate a big data report. Although there are differences between the two, in order to avoid personal inability to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.

3. Can a husband and wife get a loan to buy a car with bad credit?

If the husband and wife jointly apply for a car loan, their credit information will naturally be reviewed.

In this way, if one party's credit is not good, it will naturally affect the approval of car loans, and the handling bank (auto consumer finance company) is likely to refuse loans because of credit problems.

Of course, if you only apply for a car loan in your own name, it mainly depends on the borrower's own credit information.

Therefore, even if the spouse's credit is not good, the impact on the approval of car loans will not be great. As long as the borrower has good credit and the ability to repay the loan principal and interest on time, the car loan can generally be successfully approved.

And if the borrower has problems with his own credit, he can't get a car loan in a short time.

It is suggested to accumulate more good credit and try to apply again after personal credit is improved.

If you want to increase the chances of loan approval, you can find a guarantor with good credit for your car loan, and you can try to increase the down payment and reduce the loan amount.