Those who have online loans can apply for rural credit loans. As long as the online loan is not overdue and repayable normally, the credit report is good. However, online loans cannot be applied continuously, which will affect loans. When rural credit cooperatives lend money, they will inquire about personal credit records. If it is an online loan, it will check the credit record, and the existing loan will affect the normal handling of subsequent loans. Because the overdue online loans in the credit report will be reported to the central bank, and the rural credit cooperatives are below the central bank, the rural credit cooperatives will not lend you money.

If the online loan has not been paid off, the credit information will be recorded on the online loan record. As long as there is no overdue record, it will generally not affect the credit union loan. However, the online loan has not been settled, and there are overdue records of online loans in the credit report. Then the credit society thinks that the repayment ability of users is insufficient, so it is more difficult to pass the loan review. Of course, when applying for a credit union loan, the best way is to pay off the online loan, so the online loan will not have any impact on the credit union loan.

At present, many online loans are products of licensed financial institutions. Because the credit report of the central bank can be accessed, the borrower's credit report will have a loan record, which can help the borrower get rid of the identity of a white household, repay the loan on time every month, and develop a good credit record, which will help to handle bank loans. The bank will judge the borrower's repayment intention according to the borrower's credit record, and can further analyze the borrower's repayment ability. Therefore, if you borrow an online loan, you must repay it on time and don't be overdue, otherwise it is likely to be counterproductive.

I. General conditions of loans

Applicants must meet the age requirements for applying for loans and have full capacity for civil conduct, which means that citizens can carry out any civil activities through their own independent actions. Citizens who have reached the age of 18 and are mentally healthy are persons with full capacity for civil conduct. Considering the current situation of the nine-year compulsory education system in China,/kloc-citizens over 6 years old but/kloc-citizens under 8 years old.

The applicant has a stable source of income and the ability to repay the loan principal and interest on schedule, that is, the lender has a stable occupation and income and can repay the loan principal and interest on schedule. For example, if the fixed balance of monthly income exceeds 654.38+100000 yuan, and then the monthly repayment is less than 5000 yuan, you can think that you have the ability.

You also need to have a good credit record and willingness to repay, and no bad credit record. Maintaining a good credit record can improve the convenience and possibility for individuals to obtain financial support and financing services.