You can also go to the bank for a loan if you have arrears, provided that the arrears are still within the repayment period and are not due or overdue.

If the arrears are overdue, customers can't get loans from banks in a short time. Because overdue will lead to credit damage, and every time you go to the bank for a loan, the bank will review the customer's credit information and understand their credit status. Once it is found that the customer's previous loan is overdue, resulting in credit damage, most of them will directly refuse to approve the loan.

It should also be noted that although you can still apply for a new loan in the bank when the arrears are not overdue, you should also be careful not to bear too much debt, otherwise, if the personal debt ratio is too high, it will also affect the subsequent loan approval. In this regard, it is best for customers to pay off their debts before applying for new loans (if they are not clear at the moment, they should also try their best to reduce their personal debt ratio).

At the same time, customers must maintain good personal credit and provide as much economic and financial information as possible when applying for loans to prove that individuals have the ability to repay the loan principal and interest on time.