1, the used car can be paid back at one time, but it will take a certain period of time, because all the interest is paid back in the early stage of the loan to buy a car, and all the money can be paid back at one time. In other words, even if all the money is paid back at one time, the interest will still be paid for three years. Interest will not be repaid less because of early repayment.

2. Legal basis: Article 490th of the Civil Code of People's Republic of China (PRC).

If the parties enter into a contract in the form of a contract, the contract shall be established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.

A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.

2. What is the installment process of used car loans?

1. After the car buyer has the intention to buy a car, he will go to the bank's business outlets for consultation, and the bank will recommend the used car dealer who cooperates with the bank to the car buyer;

2. The car buyer chooses the used car to be purchased at the dealer and signs a car purchase agreement;

3. Car buyers bring relevant information to bank outlets to apply for loans;

4. Banks will generally review the information provided by car buyers within 15 working days;

5. The bank signs a loan contract and a corresponding guarantee contract with the borrower who meets the loan conditions, defines the guarantee method, and goes through relevant procedures;

6, bank loans, car buyers to handle the corresponding car insurance;

7. Car buyers pick up the car.