The loan can be washed away without using it. What was this washed away? If it is a loan that cooperates with a regular bank, it will be reported to the credit bureau. As long as the repayment is normal, the credit bureau shows that it has been settled. If it has not been repaid, it will always show that there is this loan, unless it is not a lending institution that cooperates with a regular bank, and the contents will be more complicated.