The loan company can directly repay the car loan. According to relevant public information: Legal basis: Article 18 of the General Rules of Loans: 1. You can apply for a loan independently from the host bank or the agency of other banks, and get a loan according to the conditions. Two, have the right to withdraw and use all the loans as agreed in the contract. Three, have the right to refuse additional conditions other than the loan contract. 4. Have the right to report relevant information to the superior bank of the lender and the People's Bank of China. Five, with the consent of the lender, have the right to transfer the debt to a third party.