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Will the credit record be deleted after the loan is overdue?

Yes

After the loan is repaid, there will still be a record on the credit report, but the credit report will show that the loan has been settled. Everyone needs to note that just because the loan is repaid, the relevant records will not be eliminated from the credit report. However, if the bank, lending institution, or platform that provides the loan is not connected to the central bank's credit reporting system, then the loan itself will not leave a record on the credit reporting system. How much did the borrower borrow, when did he borrow it, and when? There will be no records of repayments etc.