yes, if your online business loan has no overdue record, but you can't repay it for a while due to the decrease in income, you can usually negotiate with the borrowing institution to extend the repayment period. The following are the instructions to answer your questions:

1. Loan negotiation: Negotiation with the borrowing institution is an effective way to solve the repayment difficulties. You can contact the online merchant loan institution and ask for an extension of the repayment period.

2. Adjustment of repayment period: According to your situation, you can try to adjust the original repayment period of 36-6 months through negotiation. This can reduce the monthly repayment amount to adapt to your current economic situation.

3. Third-party big data platform: Before negotiating the repayment plan, it is recommended to use a third-party big data platform, such as Qingquan Kuaicha, to inquire and summarize all your debts. This can help you clearly understand your debt situation, including overdue information and so on. So as to make a better repayment plan and provide detailed and accurate information to the borrowing institutions.

Summary:

If you are facing repayment difficulties, but there is no overdue record, you can negotiate with the online merchant loan institution to extend the repayment period. Before the negotiation, it is beneficial to know your own debt situation through the third-party big data platform. Please note that the specific negotiation results may vary according to personal circumstances and the policies of the lending institutions.

Relevant information:

For more information about consumer loan repayment, you can consult relevant financial institutions or read the guidelines and suggestions published on relevant financial knowledge platforms.