Applying for online loans will affect personal credit information, which is mainly reflected in the number of inquiries made by online loan companies about your credit information and the number of applications you have made. Next, I will explain it to you from the following points:

First, applying for this kind of loan will affect your loan in the bank.

Second, the interest rate for applying for such loans is higher.

Third, there are limited repayment options for applying for such loans.

Fourth, the amount of such loans is low.

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1. If the online loan is not repaid on time, the overdue record will be submitted to the credit information system to leave a bad record. The more serious the overdue situation, the greater the impact on credit reporting. In particular, it has been overdue for three consecutive years in two years and belongs to a proper black household. Even if the arrears are paid off later, it will take five years to recover. If you apply for credit business again during this period, whether it is a credit card or a loan, you will be directly rejected.

2. Online lending has no self-control. When people saw what they were applying for, they applied for more than a dozen loans in just a few months. Even if any one of them succeeds, there are too many loan approval records on the credit investigation, which will have a bad influence on the credit investigation. Such people will be rejected if they apply for loans or credit cards again. It is best to spend 3-6 months to improve the credit information.

The consequences of non-repayment of small loans are as follows:

1. Bad credit records will affect future loans and credit cards, and future mortgages and car loans will be affected.

2. You can't enjoy preferential loans or even apply for loans.

3, close the blacklist, children can not go to key schools, and there will be more penalties in the future. It can be said that life will be difficult.

4. If the personal career is affected and overdue for more than 90 consecutive days and the circumstances are serious, the bank or school will publish the ID number and overdue information in the media or notify the work unit.

5. If the circumstances are serious, they will be punished by law.

legal ground

According to Article 3 13 of the Criminal Law, those who refuse to execute the judgment or ruling of the people's court, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

Applying for online loans will not affect personal credit information, but if the number of online loans is too frequent and multiple platforms apply at the same time, it may lead to more credit information and affect everyone's future loans. The specific situation needs to be determined by combining everyone's online loan repayment and loan times.

Personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc. ;