You can also apply for a loan if your credit history is overdue, but only if the overdue situation is light, and it has not been overdue for more than 3 consecutive times or accumulated for 6 times. If it exceeds, it will generally be considered as a credit black account, and you will not be able to apply for a loan at this time. If it is only 1 time overdue, you can still apply for a loan in the bank normally, or you can apply for a loan on a regular online lending platform.