Legal analysis: According to the principles of loan, that is, legality, voluntariness, honesty, equality, fairness, and the principle of acting according to one's ability, as long as these three principles are not violated, you can theoretically borrow money, regardless of whether you have a criminal record or not. People who have received criminal punishment can apply for loans, but whether they will be approved for loans is determined by the specific lending bank according to the internal loan situation.

Legal basis: The types of principal punishments in Article 33 of the Criminal Law of People's Republic of China (PRC) are as follows:

(1) control;

(2) criminal detention;

(3) Fixed-term imprisonment;

(4) life imprisonment;

(5) the death penalty.