If the first loan has not been paid off, it is generally impossible to make a second loan. In addition, long-term bad lending will also lead to being blacklisted for online loans. In order to avoid the unsolvable fund problem in online loan, it is recommended that you do not make frequent loan operations. You can slow down and stop all loan-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated. If you have multiple loan demands, it is recommended that you communicate with the bank seriously and conduct loan operations within a reasonable range to avoid falling into financial risks.