Yes, it is still possible to get a loan even if you have a credit history that is more than 90 days past due. However, this situation may have some impact on loan applications.

1. First, banks and other lending institutions will look at an individual’s credit record when reviewing a loan application. Overdue records are considered bad credit and may lower the applicant's credit rating.

2. Secondly, overdue records reflect an individual’s repayment ability and credit reliability. If the applicant has only one past due of more than 90 days and has an otherwise good credit history, lenders may pay more attention to recent credit performance and the purpose of borrowing.

3. Finally, loan approval depends on several factors, including but not limited to credit history, income status, and borrowed amount. Although past due records may have some impact on loan approval, lenders usually consider a variety of factors to make their final decision.

In summary, it is still possible to get a loan even if you have a credit history that is more than 90 days past due. However, applicants should be aware that overdue records may have a certain impact on loan approval, and strive to improve other aspects of credit performance to increase the success rate of loan applications.

Extended information:

Credit record is an important basis for financial institutions to assess personal credit risk. Overdue records refer to situations where a borrower fails to repay on time or defaults. During the loan application process, banks and other lending institutions evaluate a borrower's repayment ability and creditworthiness based on his or her credit history. Overdue records may have a negative impact on your credit rating, thereby reducing your loan application approval rate. Therefore, maintaining a good credit record and repaying debts on time are the keys to maintaining personal credit.

It is worth noting that when approving a loan application, lending institutions will not only consider credit history, but also comprehensively consider factors such as the borrower's income status, employment situation, and purpose of borrowing. If the applicant has a stable source of income, a good work record, and can provide sufficient proof of repayment ability, it is possible to obtain a loan even with a past due record.

However, the extent to which a delinquency record affects a loan application varies depending on individual circumstances. Lenders may treat an application with more caution if the applicant has multiple past due dates, frequent defaults, or other negative credit history. In addition, the size of the loan may also affect the lender's decision. Smaller loan amounts may be easier to get approved for.

In short, overdue records may have a certain impact on loan applications, but it does not mean that you cannot obtain a loan at all. Applicants should work to improve their credit performance, improve their ability to repay, and consider other factors to increase the success rate of their loan application.