When a bank’s small loan is overdue for three months, there will be the following impacts:

1. Damage to credit record: The bank will submit the overdue record to credit bureaus, which will result in a negative impact on an individual's credit record. This may affect your chances of being approved for other loans, credit cards or other financial services in the future.

2. Increase overdue fees: Banks usually charge certain overdue fees for overdue payments. The longer the overdue period, the higher the fees. This will increase the amount that needs to be repaid on the loan.

3. Collection actions: Banks will take collection actions after the loan is overdue, such as phone notifications, text message reminders, etc. If the loan is still not repaid, the bank may entrust a third-party collection agency to recover the debt, or even take legal measures to recover the debt.

To sum up, being overdue for three months on a small bank loan will have a negative impact on a person’s credit record, add additional fees, and may lead to collection actions or even legal proceedings.

Extended information:

1. Personal credit record: Personal credit record refers to the file that records personal credit status, mainly including personal information, credit score, loan record, repayment status, etc. . Late repayments will leave a negative mark on an individual's credit record, which has a significant impact on an individual's credit evaluation.

2. Overdue fees: Overdue fees are a fee charged by banks for overdue loans, usually a certain percentage of penalty interest or late fees. The longer the overdue period, the higher the overdue fee.

3. Collection actions: Collection actions are measures taken by banks to recover overdue debts and are designed to remind borrowers to repay their loans as soon as possible. Collection actions can include phone notifications, text message reminders, door-to-door collections, etc.

4. Legal action: In the case of serious overdue and continued default on the loan, the bank may take legal measures to pursue debt collection proceedings against the borrower. Legal action may result in additional legal liabilities and expenses for the borrower.

The above is the impact of bank small loans being overdue for three months. Please make sure to repay on time when borrowing to avoid unnecessary negative impacts.