Legal analysis: Yes. Installment loans can be used as soldiers. This kind of behavior does not violate the criminal law and is not a criminal act, so it will not affect the political review of conscription and it is possible to join the army. Specifically, citizens who have been subjected to criminal punishment, reeducation through labor, education and administrative detention shall not be recruited for active service.

Legal basis: Article 3 of the Military Service Law of People's Republic of China (PRC). People and citizens of China, regardless of nationality, race, occupation, family background, religious belief and education level, have the obligation to perform military service in accordance with the provisions of this Law. People who are unfit for military service with serious physical defects or serious disabilities are exempted from military service. People deprived of political rights according to law may not perform military service.