I am happy to answer your question. Your description of the overdue situation is not very clear. I can only talk about the general situation.

Not everyone who is overdue will not be able to apply for a loan. As long as it is not a serious malicious overdue, you still have the opportunity to apply for a loan:

1. The overdue period does not exceed 90 consecutive days;

2. Overdue no more than 6 times within two years;

3. The total overdue amount is less than 1,000 yuan;

You can also go to the bank to issue a non-malicious debt certificate, and apply for The loan is submitted to the bank together.

If you can get a strong guarantee, it should be easier to borrow money.