Do small loans affect bank deposits? In principle, small loans will not affect bank deposits. No matter how much the borrower owes on a small loan, he will not be affected when he goes to the bank to apply for a deposit, and the interest rate on the deposit will not change. But if a borrower's small loan becomes overdue, the bank's deposits may be affected. When a loan is overdue for more than three months, the small loan institution may sue the borrower after collection efforts fail. Once the lawsuit is successful, the court will enforce the loan against the borrower. If the borrower still refuses to repay after enforcement, the court will choose to freeze the borrower's deposits or other properties. After freezing the property, if the borrower still fails to repay, the court will directly auction the property in the borrower's name. Bank deposits will also be directly transferred to small loan institutions as repayments. In addition, the borrower is likely to be listed as a dishonest person subject to enforcement and become a "lao Lai", subject to a series of restrictions. Of course, if the borrower repays the loan on time, the above situation will not happen. However, it should be noted that as there are more applications for small loans, the number of loan records on your credit report will also increase. When the loan record reaches a certain number, "credit reporting is spent" will occur. At this time, the borrower wants to apply for other loans from the bank, but the loan will most likely be rejected. The above is the sharing of relevant content on "Do small loans affect bank deposits?" I hope it can help everyone!