under normal circumstances, if the borrower repays the loan on time and keeps good habits, the use of online business loans will not have a negative impact on personal credit, but will help personal credit accumulation and become a proof of good credit when applying for loans such as mortgage and car loans in the future.

If you are overdue in the process of using online business loans, you will face the following impacts:

1. The overdue records will be truthfully uploaded to the credit information system of the People's Bank of China, which will affect personal credit;

2. Charge a penalty interest, which is 1.5 times of the normal interest rate;

3. Being collected and affecting the subsequent loan.

among the reliable big brand loans in the market, it is also a good choice to spend money on finance. It is simple to apply for money, fast in lending and flexible in borrowing and returning, and users can apply on their own initiative. The interest rate of money is transparent, and the interest rate of big brands is low, and the maximum loan amount is 2,, which can meet the needs of most lenders.

in addition to individual consumers, small and micro business owners need to start or work with working capital, and they can also consider spending money, which is dedicated to providing accurate, convenient and efficient financial services for small and micro business owners.

This answer is provided by Kangbo Finance, which focuses on the interpretation of hot financial events and the popularization of financial knowledge. It is professional and interesting, making financial content that people can understand, and conveying financial value in vivid and diverse ways. I hope this answer is helpful to you.