If the car loan is overdue, the owner has no right to pick up the car, and it is illegal to pick up the car privately. The lender shall bring a lawsuit to the people's court to realize the mortgage right of the automobile.

It is illegal to detain a car less than 3 months overdue. However, if the overdue time exceeds 6 months and the borrower still fails to repay the loan, the lender may apply to the court for legal rights protection.