If there is no overdue behavior in the process of repaying the online loan, it will have no impact on the future credit business after the online loan is settled.
After all, the debt has been paid off, and there is no record of bad behavior such as overdue in credit information or big data, so there is no problem with credit and the debt should not be high. Therefore, as long as you can meet the requirements of banks or lending institutions and platforms, provide enough information and have the ability to repay on time when applying for credit cards or loans later, it is not difficult to successfully obtain loans or credit cards.
However, if there is overdue behavior when repaying the previous online loan, it will have a negative impact on the subsequent credit business.
Because even if all online loans are paid off, there is no debt at present, and the repayment ability is enough to apply for loans and credit cards. However, due to the bad information recorded in credit information or big data, personal credit still has problems.
In this case, if you apply for a loan or credit card, banks or lending institutions and platforms are likely to worry that the risk will be higher after issuing a loan or approving a card because of their bad credit, and they are likely to refuse to approve the card or loan.
Online lending big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate loan records of various online lending platforms. You can clearly understand the problems existing in your online loan big data in "Kingfisher Data", query accurately and completely, and solve the problems in online loan big data in time.
Extended data:
Will tens of thousands of unpaid online loans affect car loans?
Outstanding online loans can be divided into two situations.
1. If it is not settled in the normal loan repayment, it will generally not affect the car loan.
Online loans are paid in installments, and there is no requirement that all online loans must be settled in advance to apply for car loans. On the contrary, the online loan record of full repayment on schedule can also prove personal performance and trustworthiness and good repayment ability, which is beneficial to applying for car loan.
It just means that there are tens of thousands of outstanding loans, plus the monthly repayment of car loans. In this debt situation, in addition to the monthly basic living expenses, whether personal income can continue to be borne is a concern of lending institutions, so they can supplement their economic strength appropriately.
2. If it is overdue, it is generally difficult to apply for a car loan.
If it is not settled after the deadline, it is overdue at present, or the overdue arrears in the past have become bad debts. These negative records can be found through the credit information or online loan big data platform, which is a serious act of dishonesty. Applying for a car loan is too risky and will generally be rejected.
If you want to apply for a car loan, you should first settle the overdue debt and correct your default behavior, and then see if you can make a loan through the guarantee of a formal guarantee institution to reduce the loan risk, but whether it can pass depends on the actual approval of the lending institution.