Early repayment requires application in advance and negotiation with the bank.

According to bank regulations, customers who want to repay their car loans early need to submit a written application one week to one month in advance and agree on a date for early repayment of their car loans. Then according to the agreed date, bring your ID card, sign a loan contract with the bank, fill in the loan application form and loan agreement, and deposit the loan into your account for deducting the loan principal and interest according to the bank's requirements, and the bank will automatically deduct it.

After confirmation by the borrower's bank, the early repayment application form is irrevocable and serves as a supplementary clause in the loan contract and has the same legal effect as the loan contract. If the loan buyer fails to repay in advance according to the date and amount stipulated in the loan contract, it will be deemed as overdue repayment, and the loan buyer will bear corresponding liability for breach of contract in accordance with the loan contract.