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Is it okay to buy a car separately from the main loan?
no.

You must be the owner of the car to get a loan. If it is a husband-and-wife relationship, you can apply for the same repayment in the bank.

car loan separation requires the indicator to become a * * * borrower to cooperate with the car buyer's signature. Even if the financial side will explain that even if it is overdue in the future, it will not affect the credit information of the indicator, but most indicators still can't accept the car loan.