Loans that are overdue for three years will have the following consequences:

1. Loan overdue records will be recorded by the bank. Loan overdue refers to the failure to repay the loan principal and interest on time after the loan's maturity date. Banks will record past dues on your credit report, which will have a negative impact on your credit score.

2. Credit score decline. A credit score is an assessment developed by a credit agency based on your credit history and behavior. Overdue loans can cause a drop in your credit score, which can affect your approval and interest rates for future loans, credit cards, and other financial products.

3. The debt may be collected. If the loan is overdue for a long time, the bank may take measures to collect the debt. They can apply for execution through legal means, recover the loan principal and interest in arrears, and even seize and auction properties.

4. Be included in the list of dishonest persons. Individuals and companies that engage in dishonest behavior will be included in different levels of dishonest lists. A loan that is overdue for three years is a serious breach of trust. If you are included in the list of dishonesty, you will be restricted in many aspects, such as being unable to apply for loans, participate in bidding, etc.

Summary:

Loan overdue for three years will have a serious negative impact on personal credit, which may lead to a decline in credit scores, debt collection, and being included in the list of dishonest people. It is recommended that when borrowing, be sure to repay on time to avoid overdue payments.

Extended information:

Loan overdue for three years is a relatively serious situation in China, because Chinese laws are highly effective in debt recovery. If a loan is overdue for three years, the bank has the right to take legal action and apply for enforcement to recover the defaulted loan. In addition, China's financial system and social credit system are closely related, and personal credit records will have a wide impact on individuals' lives and economic activities.

Supplementary information:

Assuming that the bank does not take recovery measures within one year after the loan is overdue, the following situations may occur: 1) The bank may choose not to pursue the overdue small loan. 2) The bank may use internal collection methods, such as issuing a collection letter to urge repayment, but does not take legal action; 3) The bank does not actively pursue debt collection, but still reserves the right to pursue debt collection.

The above are the consequences and explanations of a loan that is overdue for three years. In financial affairs, timely repayment is an important responsibility and obligation, and being able to maintain a good credit record is of great significance to an individual's economic and life stability.