When buying a car with a loan, the bank or financial institution will evaluate the borrower's willingness and ability to repay, and the credit record is an important reference. Borrowers have online loans, which will have a negative impact on personal credit and lead to the failure of approval. In order to increase the chances of successful loan to buy a car, try to pay off or partially repay the online loan before applying, reduce the debt ratio and reduce the risk of rejection. Doing so can improve personal credit status and improve the success rate of loan application.