Overdue for three months or accumulated six times. According to the inquiry of China Travel Service. Com, the owner borrows money from the bank. At the early stage of overdue car loan, the bank will inform the owner to pay the repayment amount in time by SMS or telephone instead of towing the car at the beginning. However, if the owner fails to pay the repayment amount for three consecutive months or is overdue for six times, the bank will take the trailer away.