只要用户的贷款没有逾期，且没有被法院列入失信人名单，就不会影响签证。至于签证能不能通过，和贷款关系不大，贷款并不是决定签

　　签证英文邀请函：篇一　　It is hereby to invite Mr. CHEN with passport No. Gxxxxxxxx, born in September 22nd, 1973, to XXX Co., Ltd from 10th Jan. 2011 for some business with us to develop new products. All expenses will be covered by Shijiazhuang Jing