There are two kinds of car loans for married people, one is that individuals apply for loans to buy a car, and the other is that both husband and wife apply for loans to buy a car. If it is an individual application, it does not need to be signed by both parties. If it is a loan application, both parties need to sign it, and the applicant is the main repayment person.

Secondly, married people also need to provide information such as their spouse's ID card to borrow money. When a married person buys a car, the bank will not only evaluate your personal credit, but also your spouse's credit. Even if your credit is good, if your spouse has credit problems, the bank may still refuse your loan request.

legal ground

Article 667 of the Civil Code of People's Republic of China (PRC) defines a loan contract as a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.