Legal analysis: five years later. After the online loan is overdue, if it is shown in the personal credit report, an overdue record will be generated. This overdue record requires the borrower to pay off the overdue money and will be automatically eliminated after five years.

Legal basis: Regulations on the Administration of Credit Information Industry

Article 3 Anyone who engages in credit investigation business and related activities shall abide by laws and regulations, be honest and trustworthy, and shall not endanger state secrets or infringe on business secrets and personal privacy.

Article 4 The People's Bank of China (hereinafter referred to as the supervision and administration department of credit information industry in the State Council) and its dispatched offices shall supervise and administer the credit information industry according to law. The local people's governments at or above the county level and the relevant departments of the State Council should promote the construction of social credit system in their own regions and industries, cultivate the credit information market and promote the development of the credit information industry.