Whether small loans are subject to credit reporting depends on whether the small loan company has connected with the central bank’s credit reporting interface. If the small loan online loan has been linked to the People's Bank of China credit report, or the loan is issued by a professional banking institution, then its loan records and overdue records will be listed on the credit report. If the small loan is not linked to the credit report, the overdue loan record will not be included in the credit report. When a user goes to the bank for a loan, if the small loan is overdue, there will undoubtedly be a stain on the credit record. Generally speaking, when applying for a small loan, the user must authorize a credit check. In this case, once the application is successful, the overdue record will be uploaded to the credit report once the loan is overdue. The above is the relevant content of the credit investigation meeting for overdue small loans. Will there be a credit check if an online loan is overdue?

When a user applies for a loan online, if there is no need to authorize a credit check, it means that the approving party of the loan mainly refers to Internet big data , now the loan is overdue, and the overdue record is not included in the credit report. Regardless of whether the overdue record is listed in the credit report or not, users need to settle overdue loans as soon as possible, because overdue loans will cause a series of negative impacts. And even if it does not affect personal credit, it affects Internet big data, which is not good for users. In addition, after the small loan is overdue, if the user settles the overdue loan, whether it can be used again will be subject to the review results of the web page. For some small loans, as long as the loan is overdue, you cannot apply for it again. It usually takes a few days to apply for a small bank loan

For a small bank loan, if you apply online, you can usually get the loan property on the loan application date. The user can If you apply for a small bank loan offline, because offline loans are approved manually, the approval speed is slower than the system software approval. The approval results usually take about a week, and the loan will be issued to those who meet the conditions. Since you can apply for small loans from banking institutions both online and offline, customers can choose the channel based on their personal circumstances. If you want to quickly withdraw the loan assets, you can choose to process it online. This article mainly writes about the knowledge points related to the credit investigation of overdue small loans. The content is for reference only.