1, the online loan is paid off will update the lender's online loan big data, and will not immediately cover the lender's credit record. The online loan record is usually updated once every few months, and the frequency of update is higher than the credit. Late payment records will be kept for 5 years after the loan is paid off, and will only be automatically cleared after 5 years. If the online loan is paid off, the credit record will show that it is paid off after it is updated every month. The retention period of personal online loan information by credit bureaus is generally from the time the lender performs the loan act to the end of the fifth year after the loan is paid off.

2. Legal basis:

Article 16 of the Regulations on the Administration of the Credit Collection Industry stipulates that the retention period of the credit collection agency's personal bad information shall be five years from the date of termination of the bad behavior or event; and if it is more than five years, it shall be deleted. Within the retention period of the bad information, the information subject can make a statement on the bad information, and the credit collection agency shall record it.