Three days. Pratt & Whitney loan has a three-day grace period, and if it is repaid in time within the grace period, it will still be repaid on time. If the loan is not paid after the grace period, it will be reported by the credit reporting agency, which will have a negative impact on personal credit reporting. Hainan Yixin inclusive microcredit Co., Ltd., established on 20 14, is located in Sanya, Hainan Province, and is an enterprise mainly engaged in capital market services.