You can apply for a car loan if you have a loan. There is no hard and fast rule that borrowers must have loans. Generally, as long as the borrower meets the loan conditions, he can apply for a car loan even if he has a loan.

However, although you can apply for a car loan, you are in debt after all, so it will affect your repayment ability to a certain extent. Therefore, when you apply for a car loan, the bank or lending institution may reject you for this reason when reviewing it.

Therefore, if you have a loan and want to apply for a car loan, you must provide enough information to prove that you have enough economic ability and the ability to repay the principal and interest of the loan on time, so that you can successfully apply for a car loan on the premise of having a loan.

Matters needing attention in handling auto loans:

1. Check whether the relevant information is complete.

Generally speaking, to apply for a loan from a lending institution, you need to bring the following documents: personal identity card, marriage certificate, work certificate, income certificate and other necessary supporting materials. Bian Xiao suggested that you must carefully check these documents before going out. In order to avoid running back and forth because of backwardness, and then wasting time and energy.

2. Carefully check the terms of the loan contract.

Before signing a formal auto loan contract, the borrower must carefully check every clause in the loan contract. Since most lending institutions now provide printed format contracts, their credit managers will not introduce the loans in detail one by one, but only focus on them, which may lead to deliberate neglect of some terms. Therefore, applicants must study one by one, and don't wait until they formally sign it to regret it.

3. Pay attention to the repayment method and time.

After signing the formal loan contract, the car loan was basically completed. For borrowers, it is important to remember the repayment method and time of their car loans. At present, auto loans are mainly divided into two repayment methods: equal principal and interest and average principal. The monthly repayment amount of equal principal and interest is the same, but the interest paid is more, the repayment in the average capital decreases month by month, and the interest is less, but the repayment amount in the previous period is more. As for the repayment time, only the time stipulated in the contract shall prevail. The borrower must repay the loan on time and not overdue, otherwise it will not only be charged a certain penalty interest by the lending institution, but also affect its credit history.