1. If the car loan is overdue, it will generally be reported to the credit bureau, and the lender will be temporarily listed as a collection list within the bank.

2. If the lender fails to repay the loan for more than 7 days, a certain late fee will be charged.

3. If the lender fails to repay the loan for more than 3 months, the bank will take back the relevant vehicles, then auction the vehicles through legal procedures and blacklist the borrowers.

Overdue refers to failure to perform corresponding obligations or responsibilities beyond the agreed time, such as failure to repay within the agreed repayment period after borrowing, failure to pay taxes and fees in full before the specified period, etc.