Car loans have requirements for credit reporting, but they are not particularly strict. It is usually based on the borrower's credit history to decide whether to approve the loan.
Under normal circumstances, the borrower can obtain the loan qualification if it has not been overdue for three or six times in a row in the past two years and is not overdue at present when handling the car loan. However, whether the loan can be successful depends on the borrower's repayment ability in addition to credit reporting.