Credit loan and secured loan are two different loan methods, the main difference lies in risk control and the borrower's credit status. Credit loan is based on the borrower's credit status, mainly considering the borrower's repayment ability and credit history, and evaluating the lender's credit status through big data analysis. A secured loan requires the borrower to provide collateral or a third-party guarantee institution to provide guarantee to mortgage or guarantee the borrower's loan. This method pays more attention to the borrower's repayment ability and loan guarantee form, and the risk is low.

Although many online loans have no credit information, each small loan platform has its own third-party big data credit information platform. If a company fails to repay the loan, the third-party platform it cooperates with will leave a record, and then if you want to apply for a loan on other small loan platforms, it will basically be affected. Therefore, before the loan, the borrower can obtain his own big data report and grasp his own big data status in time by querying the online loan big data query system such as "Xiaoqi Credit Information". This helps borrowers to know their credit evaluation status in the small loan market, so as to better protect their credit records and credit ratings.