It is impossible to determine whether the loan can be approved, because the decision of loan approval is based on a variety of factors. The following factors may affect the approval results:

1. Credit history: 40 times of online loan approval inquiry may have a negative impact on credit history, which is manifested in frequent loan inquiry, which may be regarded as a risk signal by lending institutions.

2. Overdue records: 7 overdue records have not been settled, indicating that the borrower failed to repay the loan on time in the past. Lending institutions usually pay attention to the borrower's repayment ability and credit history, and overdue records may reduce the borrower's credit rating.

3. Payment: The two outstanding payments may further aggravate the borrower's debt situation, causing the lender to worry about its repayment ability.

To sum up, based on the information provided by mobile phone credit information, the loan approval result may be affected by credit information records, overdue records, unpaid loans and other factors. However, the final decision still depends on the overall risk assessment of the borrower by the lending institution. To get a more accurate answer, it is recommended to consult a specific lending institution or financial professional.