First of all, the overdue loan has been paid off, which means that the borrower has returned all the overdue amounts on time. This means that the borrower has re-established a good repayment record, which is helpful for refinancing. Banks or financial institutions often consider borrowers' repayment records when approving loans. A good repayment record means that the borrower has repayment ability and credit reliability, which makes the application for refinancing more likely to pass.

Secondly, the overdue loan has been paid off, indicating that the borrower has the willingness and responsibility to repay. Banks or financial institutions will also consider the credit status of borrowers, including whether borrowers are responsible for overdue loans. If the borrower can take the initiative to pay off the overdue loan and ensure the repayment on time, it shows that the borrower has the will to fulfill the debt, which makes the refinancing application more likely to be approved.

In short, borrowers whose overdue loans have been paid off can borrow again. By paying off the overdue loan, the borrower re-established a good repayment record, showed the willingness and responsibility of repayment, and improved the success rate of refinancing.

Extended data:

Overdue loan means that the borrower fails to repay the principal and interest of the loan at the time agreed in the contract. Overdue loans will have a negative impact on the borrower's credit record, reducing the possibility of borrowers lending again. Therefore, borrowers should try to avoid overdue and ensure timely repayment. If overdue happens unfortunately, you should contact the bank or financial institution in time to actively solve the repayment problem and try to pay off the overdue amount as soon as possible.

When applying for a second loan, besides paying off overdue loans, we should also pay attention to other factors, such as the borrower's personal income, debt, employment stability and so on. Banks or financial institutions will comprehensively consider these factors to evaluate the borrower's repayment ability and risk.

In addition, the specific loan policies and requirements of different banks or financial institutions may be different. Therefore, borrowers should consult relevant banks or financial institutions to understand their specific loan policies and requirements before refinancing.

Finally, according to China's relevant laws, regulations and practices, borrowers who have paid off overdue loans have the opportunity to borrow again. However, whether the specific loan is approved or not still depends on various factors, including but not limited to the borrower's credit status, financial status, loan policy and so on.

The above is the answer about whether overdue loans can be repaid. If you have more related questions, it is recommended to consult banks or financial institutions to obtain more accurate information. I wish you financial success!