{"id":10093,"date":"2026-07-25T12:08:52","date_gmt":"2026-07-25T06:38:52","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=10093"},"modified":"2026-07-25T12:15:54","modified_gmt":"2026-07-25T06:45:54","slug":"what-is-loan-delinquency","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/","title":{"rendered":"What is Loan Delinquency and How Does It Work?\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Loan delinquency<strong>&nbsp;<\/strong>refers to&nbsp;failing to make&nbsp;a scheduled loan repayment by its due date. Even a single missed payment can result in the loan becoming overdue and may affect your credit profile if the delay continues. Understanding how loan delinquency works, its&nbsp;stages&nbsp;and its impact can help you avoid long-term financial consequences.&nbsp;&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#What_is_Loan_Delinquency\" >What is Loan Delinquency?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#How_Does_Loan_Delinquency_Work\" >How Does Loan Delinquency Work?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#Loan_Delinquency_vs_Default_Whats_the_Difference\" >Loan Delinquency vs Default:&nbsp;What&#8217;s&nbsp;the Difference?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#Impact_of_Loan_Delinquency_on_Your_Credit\" >Impact of Loan Delinquency on Your Credit&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#What_Happens_When_a_Loan_Becomes_Delinquent\" >What Happens When a Loan Becomes Delinquent?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#Managing_Missed_EMIs_with_FatakPay_Support\" >Managing Missed EMIs with&nbsp;FatakPay&nbsp;Support&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#FAQs\" >FAQs&nbsp;&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#How_many_days_late_before_a_loan_is_considered_delinquent\" >How many&nbsp;days late&nbsp;before a loan is considered delinquent?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#Does_delinquency_always_lead_to_default\" >Does delinquency always lead to default?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#When_does_a_loan_get_classified_as_an_NPA_in_India\" >When does a loan get classified as an NPA in India?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#Can_I_fix_a_delinquent_loan_without_long-term_credit_damage\" >Can I fix a delinquent loan without long-term credit damage?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#Does_one_late_payment_count_as_delinquency\" >Does one&nbsp;late payment&nbsp;count as delinquency?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/#Whats_the_difference_between_delinquency_and_wilful_default\" >What&#8217;s&nbsp;the difference between delinquency and&nbsp;wilful&nbsp;default?&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Loan_Delinquency\"><\/span><strong>What is Loan Delinquency?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Loan delinquency&nbsp;occurs when you&nbsp;fail to&nbsp;pay a scheduled EMI or loan instalment by the due date. From the following day, the unpaid amount is considered overdue, and the lender begins tracking the account by the number of&nbsp;Days Past Due (DPD). The longer the payment&nbsp;remains&nbsp;unpaid, the higher the DPD,&nbsp;indicating&nbsp;an increasing level of delinquency.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A&nbsp;delinquent loan&nbsp;may result in late&nbsp;payment&nbsp;fees, collection&nbsp;efforts&nbsp;and reporting to credit bureaus. This can affect your credit history, payment&nbsp;record&nbsp;and ability to access future loans.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_Loan_Delinquency_Work\"><\/span><strong>How Does Loan Delinquency Work?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Loan delinquency begins when you miss a scheduled loan repayment, such as an EMI, on its due date. From the next day onwards, the payment is considered overdue, and the lender tracks the number of Days Past Due (DPD). As the overdue period increases, the delinquency becomes more severe and can affect your credit profile.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">RBI-regulated banks and NBFCs&nbsp;are required to&nbsp;regularly report borrowers&#8217; credit information to credit information companies (credit bureaus). Since&nbsp;1 January 2025, they must update this information at least once every fortnight&nbsp;(as on the 15th and the last day of each month), with the data&nbsp;submitted&nbsp;within seven calendar days of the relevant reporting date.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your repayment&nbsp;remains&nbsp;overdue for more than&nbsp;90 days, the lenders will classify you as a non-performing asset.&nbsp;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Stage<\/strong>&nbsp;<\/td><td><strong>Status<\/strong>&nbsp;<\/td><\/tr><tr><td>Payment Due Date&nbsp;<\/td><td>EMI is due. Timely payment keeps the account regular.&nbsp;<\/td><\/tr><tr><td>1\u201389 DPD&nbsp;<\/td><td>Payment is overdue. The lender tracks DPD, may levy applicable charges, send reminders, and report the current account status to credit bureaus during its scheduled reporting cycle.&nbsp;<\/td><\/tr><tr><td>90+ DPD&nbsp;<\/td><td>The loan may be classified as an NPA (where applicable), and recovery actions may intensify.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Loan_Delinquency_vs_Default_Whats_the_Difference\"><\/span><strong>Loan Delinquency vs Default:&nbsp;What&#8217;s&nbsp;the Difference?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Loan delinquency and loan default are related but not the same. Delinquency begins when you miss a scheduled payment, and your loan becomes overdue. A loan default refers to a more serious situation where you&nbsp;fail to&nbsp;meet repayment obligations for an extended period. Understanding the difference between a&nbsp;loan&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/loan-defaulter-vs-wilful-defaulter\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>defaulter vs wilful defaulter<\/strong><\/a>&nbsp;is also important, as&nbsp;wilful&nbsp;default involves a borrower intentionally avoiding repayment despite having the ability to pay.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In India, lenders may classify loan accounts as NPAs when payments&nbsp;remain&nbsp;overdue for&nbsp;90 days&nbsp;or more, as per RBI norms. Taking&nbsp;early action&nbsp;during delinquency can help prevent the account from progressing towards default.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Impact_of_Loan_Delinquency_on_Your_Credit\"><\/span><strong>Impact of Loan Delinquency on Your Credit<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A&nbsp;delinquent loan&nbsp;can affect your credit profile in several ways:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lower credit score:<\/strong>&nbsp;Missed payments can negatively&nbsp;impact&nbsp;your payment history, which plays&nbsp;an important role&nbsp;in credit scoring.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Difficulty getting future loans:<\/strong>&nbsp;Lenders may consider overdue accounts while reviewing new credit applications.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Higher borrowing costs:<\/strong>&nbsp;A weaker credit profile may affect the interest rates or repayment terms lenders offer.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Happens_When_a_Loan_Becomes_Delinquent\"><\/span><strong>What Happens When a Loan Becomes Delinquent?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Loan delinquency can create financial challenges beyond a missed EMI. Once a payment becomes overdue, lenders may begin the collection process, which can include reminders,&nbsp;calls&nbsp;or other recovery steps. Continued non-payment may lead to&nbsp;additional&nbsp;charges and affect your account&#8217;s&nbsp;current status.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A&nbsp;delinquent loan&nbsp;can also&nbsp;impact&nbsp;your ability to access credit in the future, as lenders review your repayment&nbsp;behaviour&nbsp;before approving new&nbsp;<a href=\"https:\/\/www.fatakpay.com\/personal-loan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>personal&nbsp;loans<\/strong><\/a>. If you notice an overdue payment, addressing it early and communicating with your lender can help you explore&nbsp;possible solutions&nbsp;and reduce the long-term impact on your credit profile.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on your situation, your lender may discuss options such as loan restructuring or refinancing. Understanding&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/loan-restructuring-vs-loan-refinancing\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>loan restructuring vs loan refinancing<\/strong><\/a>&nbsp;can help you distinguish between&nbsp;modifying&nbsp;your existing repayment terms and replacing your loan with a new one.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Managing_Missed_EMIs_with_FatakPay_Support\"><\/span><strong>Managing Missed EMIs with&nbsp;FatakPay&nbsp;Support<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Falling&nbsp;behind on&nbsp;an EMI payment can create financial challenges, but taking&nbsp;timely&nbsp;action can help you manage the situation better. If your loan payment is overdue, contact&nbsp;FatakPay&nbsp;support to learn the next steps.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Missed an EMI? Contact&nbsp;FatakPay&nbsp;support&nbsp;as soon as possible. Resolving it early keeps your account in good standing.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A healthy credit profile is built through consistent repayment habits and&nbsp;timely&nbsp;decisions. If you face difficulty managing an EMI, addressing it early can help you understand available solutions and stay in control of your finances. With the right support and awareness, you can take steps towards better credit management and make informed borrowing decisions.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tools and support from platforms like&nbsp;FatakPay&nbsp;can help you stay informed, better manage your financial&nbsp;needs&nbsp;and take steps towards healthier credit habits.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs&nbsp;<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_many_days_late_before_a_loan_is_considered_delinquent\"><\/span><strong>How many&nbsp;days late&nbsp;before a loan is considered delinquent?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A loan becomes delinquent when you miss a scheduled payment, and it&nbsp;remains&nbsp;unpaid after the due date.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_delinquency_always_lead_to_default\"><\/span><strong>Does delinquency always lead to default?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No, loan delinquency does not always lead to default. If you clear the overdue amount or work with your lender to resolve the issue, your account may return to regular status. Default usually occurs when repayment issues continue for an extended period.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_does_a_loan_get_classified_as_an_NPA_in_India\"><\/span><strong>When does a loan get classified as an NPA in India?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Under RBI\u2019s guidelines, a loan account is&nbsp;generally classified&nbsp;as a Non-Performing Asset (NPA) when the loan repayment&nbsp;remains&nbsp;overdue for more than&nbsp;90 days.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_I_fix_a_delinquent_loan_without_long-term_credit_damage\"><\/span><strong>Can I fix a delinquent loan without long-term credit damage?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, addressing a&nbsp;<strong>delinquent loan&nbsp;<\/strong>early can help reduce its impact. Paying overdue amounts,&nbsp;maintaining&nbsp;timely&nbsp;repayments&nbsp;and checking your credit report for accuracy can support delinquency recovery and improve your credit profile over time.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_one_late_payment_count_as_delinquency\"><\/span><strong>Does one&nbsp;late payment&nbsp;count as delinquency?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Missing even one scheduled loan payment beyond its due date makes the account delinquent. However, paying the overdue amount quickly can help limit&nbsp;additional&nbsp;charges and further impact on your credit profile.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Whats_the_difference_between_delinquency_and_wilful_default\"><\/span><strong>What&#8217;s&nbsp;the difference between delinquency and&nbsp;wilful&nbsp;default?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Loan delinquency occurs when a borrower misses payments, which may result from financial difficulties,&nbsp;delays&nbsp;or oversight.&nbsp;Wilful&nbsp;default is a situation in which a borrower can repay but intentionally avoids repayment or&nbsp;fails to&nbsp;use the borrowed funds for the agreed purpose.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"FAQPage\", \n\n  \"mainEntity\": [{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"How many days late before a loan is considered delinquent?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"A loan becomes delinquent when you miss a scheduled payment, and it remains unpaid after the due date.\" \n\n    } \n\n  },{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"Does delinquency always lead to default?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"No, loan delinquency does not always lead to default. If you clear the overdue amount or work with your lender to resolve the issue, your account may return to regular status. Default usually occurs when repayment issues continue for an extended period.\" \n\n    } \n\n  },{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"When does a loan get classified as an NPA in India?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"Under RBI\u2019s guidelines, a loan account is generally classified as a Non-Performing Asset (NPA) when the loan repayment remains overdue for more than 90 days.\" \n\n    } \n\n  },{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"Can I fix a delinquent loan without long-term credit damage?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"Yes, addressing a delinquent loan early can help reduce its impact. Paying overdue amounts, maintaining timely repayments and checking your credit report for accuracy can support delinquency recovery and improve your credit profile over time.\" \n\n    } \n\n  },{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"Does one late payment count as delinquency?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"Yes. Missing even one scheduled loan payment beyond its due date makes the account delinquent. However, paying the overdue amount quickly can help limit additional charges and further impact on your credit profile.\" \n\n    } \n\n  },{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"What's the difference between delinquency and wilful default?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"Loan delinquency occurs when a borrower misses payments, which may result from financial difficulties, delays or oversight. Wilful default is a situation in which a borrower can repay but intentionally avoids repayment or fails to use the borrowed funds for the agreed purpose.\" \n\n    } \n\n  }] \n\n} \n\n<\/script>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"BlogPosting\", \n\n  \"mainEntityOfPage\": { \n\n    \"@type\": \"WebPage\", \n\n    \"@id\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/\" \n\n  }, \n\n  \"headline\": \"What Is Loan Delinquency? Meaning & How It Works\", \n\n  \"description\": \"Learn what loan delinquency means, how it works, its stages, impact on your credit score, loan delinquency vs default, and how to avoid overdue loan payments.\", \n\n  \"image\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\", \n\n  \"author\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"url\": \"https:\/\/www.fatakpay.com\" \n\n  }, \n\n  \"publisher\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"logo\": { \n\n      \"@type\": \"ImageObject\", \n\n      \"url\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\" \n\n    } \n\n  }, \n\n  \"datePublished\": \"2026-07-25\", \n\n  \"dateModified\": \"2026-07-25\" \n\n} \n\n<\/script>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\/\", \n\n  \"@type\": \"BreadcrumbList\", \n\n  \"itemListElement\": [{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 1, \n\n    \"name\": \"Home\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 2, \n\n    \"name\": \"Blog\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 3, \n\n    \"name\": \"Personal Loan\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/\" \n\n  },{ \n\n    \"@type\": \"ListItem\", \n\n    \"position\": 4, \n\n    \"name\": \"What Is Loan Delinquency\", \n\n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/what-is-loan-delinquency\/\" \n\n  }] \n\n} \n\n<\/script> \n","protected":false},"excerpt":{"rendered":"<p>Loan delinquency&nbsp;refers to&nbsp;failing to make&nbsp;a scheduled loan repayment by its due date. Even a single missed payment can result in the loan becoming overdue and may affect your credit profile if the delay continues. Understanding how loan delinquency works, its&nbsp;stages&nbsp;and its impact can help you avoid long-term financial consequences.&nbsp;&nbsp; What is Loan Delinquency?&nbsp; Loan delinquency&nbsp;occurs<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[180],"tags":[],"class_list":["post-10093","post","type-post","status-publish","format-standard","category-personal-loan"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10093","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=10093"}],"version-history":[{"count":2,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10093\/revisions"}],"predecessor-version":[{"id":10095,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/10093\/revisions\/10095"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=10093"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=10093"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=10093"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}