If the online loan is not connected to the central bank's credit information system, it will not be credited within the time limit, but this online loan will also have its own statistical system. If it has been overdue, it will also be blacklisted and may not be able to apply for other online loans in the future.

If the online loan is connected to the central bank's credit information system, it will generally be credited if it is overdue, just like a bank loan. Therefore, it is best to consult the platform customer service in advance and repay the loan on time if it is credited.

As we all know, personal credit is equivalent to everyone's credit pass today, which records everyone's past credit behavior, and these behaviors will affect our future economic activities. In particular, because the online loan is overdue, it leaves a bad credit record on the credit report, and it may be rejected regardless of the application for car loan or credit card in the future.