Fisrtly, It is important to understand what an Apple ID loan is, it is a type of personal loan offered by some financing companies, which allows you to purchase an Apple device (iPhone or iPad, for instance) while repaying the loan amount through monthly installments.
Secondly, if you have an Apple ID loan and it is overdue, it can affect your credit score and affect your ability to access credit in the future. Also, the financing company may take legal action against you in order to recover the outstanding amount owed.
Lastly, even though your Apple ID loan is overdue, your phone should still work normally as long as you continue to pay your monthly phone bill. However, if the overdue amount includes your phone bill, then your phone may be temporarily disconnected until you make the necessary payment.
Overall, it is important to make sure that you manage your debts responsibly and ensure that any Apple ID loans or other financial commitments are repaid on time.
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