1. Default interest for overdue: Banks or financial institutions can charge a certain percentage of default interest for overdue amount according to the contract, which is to compensate the losses caused to the bank by the borrower's failure to repay the loan on time.

2. Impact on credit records: overdue repayment will affect personal credit records, and banks will submit overdue records to the basic database of personal credit information of the People's Bank of China, which will have a negative impact on personal credit evaluation and may make it difficult for individuals to apply for loans and credit cards again.

3. Collection action: The bank can take collection measures, such as reminding the borrower to repay the loan in time by telephone, text message and letter. If the borrower fails to repay the loan for a long time, the bank can take legal measures to recover it, such as entrusting professional institutions to collect it at home or through court proceedings.

To sum up, if the car loan is not returned on time for three months, in addition to the overdue penalty interest, personal credit records will also be affected, which may have an adverse impact on future borrowing and credit activities. At the same time, banks may also take collection measures until overdue funds are recovered through legal means.

Extended data:

Personal credit record is an evaluation record formed by the bank's credit evaluation of individuals based on information such as transactions and behaviors in the process of providing credit services. Personal credit records reflect personal credit status in financial and commercial fields, including records of loans, credit cards, guarantees and so on. A good personal credit record is very important for personal financial activities, and you can enjoy more favorable and convenient financial and commercial services. Overdue repayment will have a negative impact on personal credit records, leading to a decline in credit evaluation and restricting personal financial and commercial activities.

A loan contract is a document signed by a borrower and a loan bank or financial institution, which stipulates the rights and obligations of both parties. In the car loan contract, the loan amount, repayment method, repayment period and other important terms are generally clearly agreed. The borrower shall fulfill the repayment obligation according to the time and amount agreed in this contract, otherwise it will bear the risk of overdue penalty interest and credit record damage.

Collection action is a recourse measure taken by banks or financial institutions for overdue loans. The bank may remind the borrower to repay in time by telephone, text message, letter, etc. If the repayment is overdue for a long time, the bank may entrust a professional collection agency to collect the borrower at home, or recover the overdue payment through court proceedings.

The above is the answer to the possible situation that the car loan has not been available for three months. The specific situation will vary according to the contract and bank policy. It is suggested that borrowers should communicate with banks or financial institutions as soon as possible when they encounter repayment difficulties, and seek solutions to avoid unnecessary losses caused by overdue repayment.