Is the car loan overdue if it is deposited on the day of repayment?

As long as the deposit is made before 12 p.m. on the day of repayment, it is not overdue. However, the subject needs to pay attention to a problem, don't miss the system deduction time, miss the need to contact customer service to manually repay on the same day, otherwise the system will not be deducted on the same day, which is equivalent to not repaying and overdue.

As long as the repayment is successfully made within 24 hours of the repayment date, it will not be considered overdue.

If it is not overdue, the bank repayment is T+1, and if the repayment date is today, the arrival date can be the next day. That is, as long as it arrives before the next business day.

It is understood that different banks have different methods of processing. Some banks deal with car loans one day late in the same way as when credit cards are one day overdue, first remind the lender to repay. If the lender forgets to make a payment, as long as the repayment is successful on the same day, it will not be uploaded to their credit history, although it is considered overdue.

Some banks are very strict in monitoring the repayment status of borrowers, and even if it is overdue for one day, it will cause a bad credit record. When you find that you are overdue, you can immediately call the customer service of the loan bank to explain the situation and repay the loan immediately to minimize the loss. Occasional, short-term overdue events won't affect us too much.

PS: Communicate with customer service.

Legal Analysis: Yes.

1. As long as the repayment does not exceed 12 p.m. on the day of repayment, the repayment will not be considered overdue.

2. The due repayment date is also known as the last repayment date, if you do not repay the full amount before the due repayment date and do not choose the minimum repayment amount of the credit card to repay, then you may face the following penalties

1. All consumption funds will no longer enjoy interest-free repayment treatment, and the bank will calculate interest on a daily basis based on the consumption amount as the principal from the day of consumption, with a daily interest rate of 5/10,000, and compound interest will be calculated on a monthly basis;

2. Received a reminder letter from the bank** and a reminder letter;

3. Freeze your account and feed back the arrears records to the People's Bank of China and record them in the credit file, which will affect your personal credit;

If you really don't have enough money to repay the full amount on the due date, then choose the minimum repayment amount of the credit card, and only 10% of the total cost will be repaid in each installment, so that although there is no interest-free repayment period, the repayment will avoid personal credit damage. Blind rent.

Legal basis: Article 667 of the Civil Code of the People's Republic of China A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.

Article 668: The loan contract shall be in written form, except where there is a separate agreement between natural persons on the loan.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When entering into a loan contract, the borrower shall, as required by the lender, provide the true information about the business activities and financial status related to the loan.

Article 670 The interest on the loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan shall be returned according to the actual amount borrowed and the interest shall be calculated.

1. Is it okay to deposit on the day of car loan repayment?

1. You can deposit on the day of car loan repayment. As long as it is deposited into the debit account, the lender will automatically deduct the amount from the account at the time of the debit. Generally, it is necessary to deposit a few days in advance, because the deduction time is fixed, if the deposit time exceeds the deduction time, it will lead to the inability to repay in time, and there may be overdue repayment.

2. Legal basis: Article 675 of the Civil Code of the People's Republic of China.

The borrower shall return the loan within the agreed time limit. If there is no agreement on the term of the loan, or the agreement is unclear and the balance is correct, and the loss is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

Article 676.

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

2. What should I do if the car loan is overdue?

1. If the borrower has the ability to repay, the borrower must repay the loan as soon as possible. Only by paying off the arrears first can the borrower have the possibility of removing his credit stain;

2. In the case of inability to repay, the borrower must negotiate with the bank. If the borrower is indeed unable to repay the loan in full, he should contact the bank, express his willingness to repay the loan, and apply for repayment in installments. The borrower can also choose to hand over his car or property to the bank, and the funds obtained from the auction of the car or property can be used to offset the bank's debt.