No. Because online loans and bank loans are two different types of borrowing methods, each has different application conditions and approval processes. The following is a detailed description:

1. Different application conditions: Online loans usually have lower credit rating requirements for borrowers, while bank loans require borrowers to have higher credit ratings and stable economic conditions. . In addition, bank loans may require collateral or guarantors as additional security.

2. Different approval processes: Online loans generally have faster approval and disbursement times, and usually only require filling out an online form and providing necessary identity and income certification documents. In contrast, the approval process for bank loans is cumbersome, requiring submission of a large number of paper documents and undergoing rigorous review.

3. Risk differences: The online loan market is relatively flexible, but there are also higher interest rates and potential risks. In comparison, bank loans usually have lower interest rates and greater security.

To sum up, if you owe an online loan, you cannot directly go to the bank for a loan. If you need a loan to solve the problem due to online loan problems, you can consider negotiating a repayment plan with the online loan platform or looking for other solutions, such as borrowing from relatives and friends, using help from social organizations, etc. At the same time, you should also plan your personal finances reasonably to avoid over-reliance on borrowing and exceeding your repayment ability.