"Can I change the car loan date? " In most cases, the answer is not. This is mainly due to the fact that the date of repayment of the car loan was fixed at the time of your signing of the loan agreement, and that any elements of the agreement require joint confirmation between you and the lender. Thus, once the signature of the agreement became effective, the date of repayment could not be changed. What if we change the date? The only way is to fix the repayment date you want when you sign the agreement。

Can we change the repayment date

But then again, the terms of each bank and car bank loan vary. In some cases, time could indeed be changed, provided that the loan parties consulted and signed new or supplementary agreements. After all, the original repayment date was set by you in consultation, and it had to be changed from the point of view of consultation。

"What if the loan is overdue? "First of all, you're just a day behind schedule and banks usually remind you to pay back. If you forget to pay back, you just have to do it the same day, so you don't leave any marks on your credit records。

In the second case, if the bank has uploaded your credit records, you should immediately contact the bank, explain to them, and then pay back as soon as possible, which would minimize your loss. Specifically, if you were only one day overdue, the bank would deduct the late payment, depending on the circumstances, but if the contract had a grace period, they would not have been withheld。

In the third case, it would be advisable for you to contact the bank immediately after the delay has occurred, especially in previous periods, when they would not normally be recorded in the credit records. But if you're running out of time, the bank's likely to warn you in the form of a reminder, and that's when late records appear in your credit records。

On the issue of repayments, regardless of the date on which you set the repayment date, the repayment must be made on time, since even a car loan would affect your letter of credit records。