You can apply for a bank loan, but you may not pass the bank's examination. The amount of online loan liabilities is high. If the debt ratio has exceeded 50%, users can still apply for loans in banks, but the probability of passing the loan review will be very low. Users' online loan liabilities are high, but the overall debt ratio is not high. On the premise of no bad record, users can continue to apply for bank loans, and the audit results of bank loans are not affected by previous online loans. The user's online loan affects the bank loan, and the bank will directly inform the user. At this point, you can continue to apply for a bank loan by paying off the online loan in advance.

If the bank's tolerance for online loans is poor and there are too many online loan application records, the bank will reject the user's loan application regardless of whether the user has overdue repayment records. Banks only look at whether there are overdue records in the credit report. As long as users repay online loans on time in each period, it will not affect bank loans. Of course, online loans have overdue repayment records, and no matter which bank, the possibility of rejecting users' loans is very high. Every bank has different rules. Users can consult the credit information of several banks before applying for loans.