1. Positive answer

Whether the loan can be continued after it is overdue should be discussed on a case-by-case basis.

2. Specific analysis

1. Overdue records will not be included in the credit report: After the credit business is overdue, the overdue record will not be included in the credit report, then the user can continue to apply for a loan.

Most loans require the applicant to have a good credit report. Since the previous credit business did not upload overdue records to the user's personal credit report, the user's personal credit report will not be affected.

When the user has good credit and meets the loan application conditions, the probability of the loan application being approved will be higher.

2. Credit reporting of overdue records after overdue: The credit business will upload overdue records to the user's personal credit reporting, which will lead to poor personal credit reporting.

When personal credit is poor, users can still apply for a loan, but the probability of passing the loan review will be lower.

The credit business has produced overdue records, and users must pay off overdue debts as soon as possible.

After the overdue debt is paid off, the overdue record will be retained in the personal credit report for 5 years from the date of repayment. After 5 years, the overdue record will be automatically deleted.

After the overdue records are deleted, the user’s credit report will return to normal.

When the credit report returns to normal, the probability that the user’s loan application will be approved will increase.

3. No online loan big data for overdue records: If there is no online loan big data for overdue records, users can apply for online loans normally in the future.

Most online loans will refer to online loan big data, and good online loan big data is very helpful for passing the loan review.

4. Upload overdue records to online loan big data: There are overdue records in the user's online loan big data. At this time, the user can still apply for online loans, but the probability of passing the loan review will be reduced.

Summary: Users can continue to apply for loans after the due date, but whether they can pass the loan review will be subject to the final review result.

After the credit business is overdue, users need to pay off the overdue debt as soon as possible, regardless of whether the overdue record will be uploaded to the People's Bank of China credit report or online loan big data.

The longer the overdue period, the greater the negative impact.

Moreover, most lending institutions will charge overdue penalty interest based on the number of overdue days. The longer the overdue period, the more penalty interest will be generated, which will increase the user's repayment burden.

Nowadays, there are many online loan big data systems that can provide online loan record query, you can search: Xiaoqixin Check. You can query online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan estimated credit limit and other important data information.

3. Can I get a loan five years after overdue repayment?

Five years after overdue repayment, the overdue record has been deleted from the credit report. Since the personal credit report has returned to normal, users can apply for loan business normally.

If the time is less than 5 years and the overdue records have not been deleted, the user's loan application will not be approved.

Therefore, when users apply for a loan, they must apply when their credit report is normal.

In addition, after the loan is overdue, if the user never repays the loan, the overdue record will be retained. Even after 5 years, the overdue record will not be automatically deleted.