Generally speaking, personal credit records will be updated within 30 working days after the loan is paid off. If the loan is paid off in a certain month, the borrowing bank will submit the loan repayment information to the central bank before 10 in the following month, and the central bank will upload the loan settlement information to the personal credit information of the repayment person before 15 in the following month.

Legal objectivity:

Article 676 of the Civil Code If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.