1. No loan: If Xiaoman's use is overdue, you can't use any other products of Xiaoman Finance because their product data are interoperable. If one product violates the rules, other products will react at the same time.

2. Charge penalty interest: as long as the use time is short and overdue, a penalty interest of 65438+ 0.5 times the normal interest rate will be charged. The longer the delay, the more penalty interest will be generated, and the greater the pressure on its own funds.

If you are not sure about your personal credit status, you can search "Xiaoqi Credit Information", click Query, and then enter the information to get the credit information of 100 banks. However, it should be noted that with the establishment of the credit report of 100 banks, the overdue situation of personal online loans will inevitably affect the credit record, so we must think twice before you act.

Extended data:

How many days overdue will affect buying a house?

When we use microfinance, if it is overdue for more than 5 days, it may be reported to the credit information platform, which will affect our credit information quality and the application for mortgage and car loan. However, if we communicate with customer service in advance to postpone the repayment, the overdue time can also be postponed. If we don't communicate, we will report it directly to the credit information platform, and we will record it clearly after the user has repaid the overdue debt for five years.