1. If the overdue situation is not serious, for example, the overdue time is short and the overdue amount is relatively small, after repayment, some lending institutions will require that there is no overdue record within six months before they can issue loans. However, due to overdue credit information, the approval and amount of loans may be limited.

2. If the overdue behavior is serious, such as overdue for more than 90 days, overdue for more than 3 times in two years and accumulated overdue for more than 6 times, it is difficult to apply for formal platform loans in a short time, and it will take 5 years to continue lending, depending on the regulations of different lending institutions.

How long will it take loans overdue to pay it off?

If the online loan is overdue, it is necessary to repay the arrears in time, and it is estimated that it is difficult to borrow money in a short time. After all, the overdue situation will be submitted by the system with big data (and some will be credited), and the bad overdue information recorded in it will not be eliminated immediately because of the arrears. Therefore, after paying off the debt, users need to be patient and take the time to repair the credit damaged by overdue repayment.

After at least three to six months, the accumulated good records will gradually cover the old bad records, and personal credit will gradually improve. It will be more successful to apply for a loan at this time.