Legal analysis: Strictly speaking, no matter whether the car owner’s car loan is overdue or how long it has been overdue, the car loan company has no right to tow the car privately. Tow the car privately is illegal. If the car owner calls the police, the car will be The lending company needs to be held responsible. However, according to feedback from some car owners, the more common towing incidents do occur at night. Cars are special movables and must be registered as real estate. If they have been registered, they will have ownership. It is illegal for car loan companies to tow privately.

Legal basis: Article 240 of the "People's Republic of China and Civil Code" The owner shall have the right to possess, use, benefit from and dispose of his own real estate or movable property in accordance with the law.

Article 264 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever steals public or private property in a relatively large amount, or commits multiple thefts, burglaries, thefts with weapons, or pickpockets shall be punished. If a person is sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and the fine amount is extremely huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years. If the fine amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to ten years. The above sentence shall be fixed-term imprisonment or life imprisonment, and shall also be punished with a fine or confiscation of property.