1. Improve your credit record: ensure that all loans are paid off on time and avoid overdue. A good credit record will help to improve your credit rating.

2. Find other loan channels: Explore other financial institutions or online lending platforms, which may be less sensitive to online loan records and provide flexible loan conditions.

3. Increase loan guarantee: provide guarantor or collateral to reduce the risk of banks. This will increase your chances of being approved for a loan.

4. Seek professional advice: consult a professional financial consultant or credit consulting agency, who can provide you with personalized advice to help improve your credit status, thus increasing the loan opportunities.

Summary: Although the online loan record may affect the chances of getting a loan through the bank, you may still get a loan by improving your credit record, finding other loan channels, increasing loan guarantees or consulting professionals.

Extended information: In China, the online loan industry is strictly regulated, and excessive reliance on online loans may have a negative impact on personal credit. Therefore, it is suggested to choose carefully when borrowing and ensure timely repayment in order to maintain a good credit record. In addition, the existence of various loan channels provides more choices for individuals, but we should also pay attention to the risks in compliance and interest rates.