First of all, you can ask the lending institution about the specific situation of the loan and find out what their approval standards and requirements are. If the loan fails because the materials are incomplete or do not meet the requirements, you can take the initiative to fill in the materials or strictly follow the requirements and try the loan again. If it still doesn't work, you can consider changing to a lending institution with high recognition and loose approval standards.
Secondly, if it is a failure caused by poor credit record or poor credit information, it is recommended to understand and master your own big data. Although many online loans do not have credit information now, each small loan platform has its own third-party big data credit information platform. If a company is overdue or fails to repay the loan, then the third-party platform it cooperates with will leave a record, and then you want to apply for a loan on other small loan platforms, which is basically difficult to pass. You can get a big data report on "Xiaoqi Credit Check" to keep abreast of your big data status. It is an online loan big data query system that provides accurate and complete data information for online loan applicants.
Finally, if the loan is really not available, you can consider negotiating with the car dealer to refund the deposit. But pay attention to whether there is a clear refund clause in the contract and the handling fee to be paid for the refund.
To sum up, if you pay a deposit for a car but the loan is not made, you can first understand the specific reasons and take appropriate measures to solve the problem.