According to the situation, for borrowers whose online loans are overdue for more than 90 days, banks will comprehensively consider many factors when approving loan applications, including credit history, personal income status and loan amount. Therefore, whether the loan will be approved depends on the overall situation of the individual.

Detailed description:

1. Credit record: The overdue loan for more than 90 days will have a great impact on the personal credit record, which is not conducive to the bank's approval of loan applications. However, if the borrower can actively repay the loan after the deadline and the subsequent credit behavior is good, the bank may understand the negative impact of the credit record.

2. Personal income: When banks consider loan applications, they usually pay attention to the borrower's repayment ability, that is, personal income. If the borrower has a stable source of income and sufficient solvency, banks tend to approve loan applications.

3. Loan amount: When the borrower wants to buy a car, the loan amount is also an important consideration for bank approval. Generally speaking, if the loan amount is small, it may be easier to pass the approval.

Summary:

Although the overdue loan of more than 90 days has a bad influence on the borrower's credit record, it is possible for the bank to approve the vehicle loan application if the borrower can actively pay off the arrears, show good credit behavior, and have a stable personal income and an appropriate loan amount.

Extended data:

When a bank applies for a loan, it usually makes a comprehensive evaluation of the borrower, among which the credit record is one of the important indicators. In addition to overdue records, there are other factors that will also affect credit records, such as repayment of loans and use of credit cards. In addition, the borrower also needs to provide asset certificates, personal credit reports and other related materials, so that the bank can comprehensively evaluate the loan application.

Please note that the above information is for reference only, and the final approval result is subject to the specific policies and evaluation criteria of each bank. If you need to apply for a loan, it is recommended to consult the bank and provide detailed information to apply.