Expansion: there is no hard and fast rule that borrowers must have loans. Generally, as long as the borrower meets the loan conditions, he can apply for a car loan even if he has a loan. However, although you can apply for a car loan with a loan, if you have debt, it will affect your repayment ability to some extent. Therefore, when applying for a car loan, banks or lending institutions may refuse it for this reason when reviewing it. Therefore, if you have a loan and want to apply for a car loan, you must provide enough information to prove that you have enough economic ability and the ability to repay the principal and interest of the loan on time, so that you can successfully apply for a car loan on the premise of having a loan.