Legal analysis: no, couples apply for loans. If one of them has a bad credit report, it is difficult to get loans. Because for husband and wife loans, banks (lending institutions, platforms) will review the credit information of both parties, not just one of them. Therefore, once a party's credit information is not good, it will inevitably affect the loan approval. Especially in the case of poor credit information of the main lender, the probability of loan rejection is very high.

Legal Basis: Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith Article 1 If the executed person fails to fulfill the obligations specified in the effective legal documents and has any of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and punish him with credit according to law:

(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;

(2) Obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons.