1. According to the policies of lending institutions, different online lending institutions have different policies and regulations, and there may be some restrictions. Some institutions may refuse to apply for a second loan immediately after the deadline, while others may give a longer grace period.

2. Length of overdue time: The length of overdue time will also have an impact on refinancing. If the overdue period is short, such as just a few days or a month or two, some institutions may not strictly limit refinancing. However, if the overdue period is long, such as more than a few months or longer, the institution may be more cautious and increase the difficulty of refinancing.

3. Repayment record: Repayment record is one of the important factors to judge the qualification of lending. If there are many overdue records or defaults before, the institution may consider refinancing more carefully. Conversely, if institutions have a good repayment record, they may be more willing to provide refinancing opportunities.

Summary: There is no definite time period that can be applied to all situations. Each lending institution has its own policies and standards to evaluate refinancing applications. How long it takes to refinance depends on the policy, overdue time and repayment record of the borrowing institution. Be sure to consult specific online lending institutions to obtain accurate and detailed information.

Extended data:

The Internet finance industry in China is strictly regulated to protect the rights and interests of borrowers and prevent excessive debt. The problem of overdue online loans involves many aspects such as law, contract and credit. Borrowers are advised to carefully understand the relevant policies before making loan operations and make wise decisions according to their own conditions.