It is basically difficult to apply for loans from banks or lending institutions and platforms connected to the central bank's credit information system. After all, you will check your personal credit when you apply. Once banks, lending institutions and platforms find that there are overdue records of credit information, most of them will refuse.
You can go to lending institutions and platforms that have no access to the central bank's credit information system and will not inquire about personal credit information when applying. Like many online loan products, the threshold is relatively low. However, when we choose lending institutions and platforms, we also need to pay attention to those formal licensed financial institutions. Don't go to those unlicensed financial institutions to apply for loans, it is easy to meet fraudsters and usurers.
If this overdue record has been for a long time, the user has paid off the arrears, and his personal credit is very good recently, then the user can also try to apply for loans from banks and lending institutions. Banks and lending institutions may not fail to pass the examination and approval as long as they can provide enough information to prove that they have certain economic ability and can repay the principal and interest of loans on time. If necessary, you can find a qualified guarantor to guarantee your loan.