1. Default record: If the online loan is settled in advance, it may be regarded as a breach of contract, resulting in a bad record on the credit record.

2. Loan term: The credit reporting agency will consider the credit evaluation according to the loan term. If the loan is settled in advance, the loan term will be shortened, which may have a negative impact on the credit score.

3. Credit history: The credit report also contains personal credit history information, including loan repayment records and credit card usage. Early settlement of online loans may lead to the loss or reduction of credit records, thus affecting the credit evaluation results.

4. Credit score: Banks and other financial institutions usually check personal credit scores when reviewing loans. Early settlement of online loans may lead to a decline in credit scores, which will adversely affect future credit applications.

To sum up, the early settlement of online loans will affect credit information, which may lead to negative effects such as default record, shortened loan term, reduced credit record and lower credit score. Therefore, before settling the online loan in advance, we should carefully consider its possible impact on personal credit and make a wise decision.

Extended data:

Credit investigation refers to the system of collecting, sorting and evaluating personal credit information, as a tool to provide personal credit status reference for financial institutions and other legitimate users. In China, the main credit agencies are the Credit Information Center of the People's Bank of China and several other credit information companies. These institutions will evaluate the credit status of individuals according to their credit records, repayment status, overdue status and other information.