There are many online loans under the user name. If all the online loans have been paid off and there is no bad credit record, the subsequent application for bank loans will not be affected. The online loan has not been paid off, the personal debt ratio is high, or the bad credit record generated by the online loan has not been deleted. At this time, it will affect the user's application for bank loans, and may even lead to the failure of loan review.

Online loan records also belong to normal credit loan records. If the repayment is made on time, only the normal credit loan information will be recorded in the credit information, which will not affect the user's subsequent handling of other credit loan businesses. However, once the online loan affects the user's repayment ability, or affects the user's personal credit, it will inevitably affect the subsequent application for other loans.

In addition, there are many online loans under the user name, so you can choose to pay off some online loans in advance, which can reduce the personal debt ratio. After the debt ratio is reduced, the repayment ability of users will be enhanced, so the probability of applying for bank approval will increase.