If you can't repay the car loan, you can apply to the bank for an extension. During the epidemic, the overdraft of car loans is overdue, which is not considered as a breach of contract for the time being and does not enter the list of customers who default.
Legal Basis: Notice on Strengthening Banking Insurance Financial Services to Do a Good Job in Prevention and Control of Pneumonia Infection in novel coronavirus Article 3 For those who have lost their sources of income due to the epidemic, the credit policy should be appropriately tilted, the repayment arrangements of personal credit such as housing mortgage loans and credit cards should be flexibly adjusted, and the repayment period should be reasonably postponed.