Affect bank lending. For overdue online loans, it will have a certain impact on bank loans. If the overdue amount is large, the bank will think that the customer's credit status is poor and there is repayment risk, which will cause the concern of refinancing and even refuse the loan application. The three-year revolving loan of rural commercial banks refers to a long-term loan provided by banks to customers, which can be used and repaid repeatedly within three years.