Legal analysis: When a husband borrows money to buy a car, the lending institution will check his wife's credit information. Buying a car after marriage is a family unit, so either husband or wife needs to check the other's credit information when buying a car. And although the husband is the main lender, it is mainly based on the husband's credit information. However, if the wife's credit information is not good, it will also affect the husband's car loan audit results.

Therefore, if the other spouse has bad credit information, please try to apply for a car loan after a period of time.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.