Legal analysis: The emergency contact written by someone else for a loan has no impact on the emergency contact. The emergency contact is not the same as the guarantor. To put it bluntly, the emergency contact is only the emergency contact information when the party cannot be contacted. Therefore, if you are set as an emergency contact without your knowledge, it will have no impact on your personal credit. Even if the borrower runs away because of default on the loan, there is no need for an emergency contact to repay the debt.

Legal basis: "The People's Republic of China and the Civil Code"

Article 679 A loan contract between natural persons is established when the lender provides the loan.

Article 680: Lending at high interest rates is prohibited, and the interest rate for borrowing must not violate relevant state regulations. If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest. If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest will be determined based on local or party transaction methods, transaction habits, market interest rates and other factors; if the loan is borrowed between natural persons, it will be deemed to have no interest.