1. The car loan guarantor needs to sign. Only signing is an agreement to assume corresponding responsibilities. Without signature, it is impossible to conclude a guarantee contract relationship with the lender, and it is also impossible to prove the facts of the guarantor. It will not be recognized by law, and the guarantor will not have the guarantee responsibility. Also, if the guarantor is a company, it needs the signature of the legal representative or the official seal of the company.

2. Legal basis: Article 392 of the Civil Code of People's Republic of China (PRC).

If the secured creditor's right is secured by both things and other things, if the debtor fails to perform the due debt or the parties agree to realize the security right, the creditor shall realize the creditor's right in accordance with the agreement; If there is no agreement or the agreement is unclear, and the debtor provides the security of the property himself, the creditor shall give priority to the realization of the creditor's right with respect to the security of the property; Where a third party provides a property guarantee, the creditor may realize the creditor's right with respect to the property guarantee, or may require the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility.

Second, what are the conditions for handling car loans?

1. Car buyers must be at least 18 years old and be China citizens with full civil capacity;

2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, in order to repay the loan principal and interest on schedule;

3. During the loan application period, the car buyer will deposit the down payment of the car purchase lower than that stipulated by the bank into the account of the bank savings counter;

4. Provide bank-approved guarantees to banks;

5. Car buyers are willing to accept other conditions deemed necessary by the bank.