Legal analysis: car loans will not investigate cases. Buying a car with a loan requires investigating the lender's bank credit records, but there will be no political review and bank records. As long as it is not malicious, it is only the expectation of credit reporting, and it is possible to borrow a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. Loan to buy a car refers to the loan issued by the lender to the borrower who applies for buying a car. In fact, it is to borrow money from financial institutions to buy a car. However, financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability. They have no bad credit records and must meet the requirements of financial institutions for applying for loans to buy cars.

Legal basis: Article 9 of the Measures for the Administration of Auto Loans The borrower applying for personal auto loans shall meet the following conditions at the same time: (1) He is a citizen of People's Republic of China (PRC), or a resident of Hong Kong, Macao and Taiwan and a foreigner who has lived in People's Republic of China (PRC) for more than 1 year (inclusive); (2) Having a valid identity document, a fixed detailed address and full capacity for civil conduct; (3) Personal legal assets with stable legal income or sufficient to repay the loan principal and interest; (4) Personal credit is good; (5) Being able to pay the prescribed down payment; (6) Other conditions required by the lender.