First of all, there is indeed a rule that you are exhausted for three consecutive days, but whether you can get a loan does not depend on the rules, but on the loan officer of that bank. First of all, I suggest you go to your designated bank to find a loan officer for you. They may ask you to issue a series of certificates, including non-malicious expired certificates. Me too.
But generally speaking, the bank will not issue this for you, because the bank can't judge whether you owe money maliciously. But you can ask the bank to help you prove that you don't owe money maliciously, that is to say, you can ask the bank to help you issue your three overdue statements and proof that you have settled your debts. This bank can be opened, that is to say, you can ask the bank to issue this certificate to prove from the side that your behavior is not malicious arrears. This bank can do it. That's what I did. And it worked. If you don't understand anything, you can keep asking me.