1. Contact the borrower in time: get in touch with the borrower as soon as possible, inform them of your overdue situation and explain your repayment plan. Some institutions may provide some flexible repayment arrangements to help you solve the problem.

2. Make a repayment plan: Make a reasonable repayment plan according to your own economic situation. Considering your income and expenses, make sure that you can repay on time. If necessary, you can cut some unnecessary expenses to ensure that you can repay on time.

3. Ask for help: If you find that you can't repay the loan on time, you can seek professional help. You can consult financial experts or lawyers to understand your rights and interests and coping strategies. They can help you make a more specific repayment plan and negotiate with the lending institutions.

4. Avoid further overdue: try to avoid further overdue, because overdue will lead to penalty interest and credit record damage. If you can't repay the loan on time, get in touch with the borrowing institution in time and explain your predicament. They may offer some solutions to lighten your burden.

5. Repair your credit record: Once the overdue payment is paid off, you can take some measures to repair your credit record. For example, pay off other debts in time, ensure timely repayment, and establish a good credit record.

In short, we should contact the lending institutions in time, make a reasonable repayment plan, and seek professional help to deal with the small loans overdue problem. At the same time, avoid further overdue and repair credit records. I hope the above information is helpful to you.

If the online loan itself is not compliant, then this overdue online loan will not have much impact on personal credit status. But your online loan record will be kept in the online loan big data. You can query your online loan history through "103 data", including overdue details of online loans, debts, untrustworthy information and whether it has been blacklisted.