A car loan can change the payer. But it needs the consent of the lender. If the owner applies for a car loan from the bank, he needs to go to the bank counter to consult whether the car loan can be replaced. If the bank agrees to change the car loan repayment person, the user can fill in the changed repayment person information and go to the counter to handle the business. If the owner applies for a car loan from an auto financing company, he needs to ask the staff of the auto financing company whether they can apply. Please note the following when changing the payer:

(1) The original owner, in the process of repaying the loan, did not appear serious overdue, and should give reasonable reasons and obtain the approval of the lending institution.

(2) The credit rating of new car owners is good, which is relatively easy to change, and the asset status is OK. These are the important contents of the audit of lending institutions.

(3) Before paying off the car loan, no matter the car that applies for a loan from a bank or an auto financing company, the car belongs to the lending institution. After paying off the loan, the owner's ownership should be changed to the new owner. If the car loan changes the repayment person, the original repayment person, that is, the repayment person who originally signed the loan contract, will negotiate with the bank, and the two parties can change the contract through consultation. If the contract is changed, the information of the payer can be changed, and the repayment can be made according to the changed contract after the change.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 543 The parties to a contract may modify the contract through consultation.

Article 544 Where it is not expressly presumed to be unchanged, and the parties have not expressly agreed on the contents of the contract change, it is presumed to be unchanged.

Article 545 Creditors may assign all or part of their creditor's rights to a third party, except in any of the following circumstances:

(a) according to the nature of the creditor's rights shall not be transferred;

(two) according to the agreement of the parties shall not be transferred;

(3) It shall not be transferred according to law.

If the parties agree that the non-monetary creditor's rights cannot be transferred, they may not confront a bona fide third party. If the parties agree that the creditor's rights are not transferable, they may not oppose a third party.