Husband and wife borrow money to buy a car separately, that is, they apply for a car loan in their own names. When reviewing the loan, the bank will ask the borrower to provide their ID card, spouse's ID card, marriage certificate, personal credit report, bank account, vehicle down payment invoice and other materials, mainly to review and evaluate the borrower's personal qualifications, and the loan can be released after approval. The loan contract does not need the signature of both husband and wife.