A month or two.

If the online loan is overdue, if it is not maliciously overdue and the overdue time is short, if it is only overdue for a few days, it will generally not be blacklisted. However, if it is overdue for a long time, it will be blacklisted by the online lending platform for more than one or two months or even longer.

Also, if the online lending platform is connected to the central bank's credit information system, it may be reported to the central bank's credit information system as long as it is overdue for one day, leaving a bad credit record on the personal credit information report.

Nowadays, online lending basically has its own credit system, and all online lending platforms are networked. Generally, users' relevant records can be recorded through big data. Therefore, once blacklisted by a certain online lending platform, you are likely to be affected when applying for loans on other online lending platforms.

Therefore, everyone should develop a good habit of repaying on time when repaying, so as not to be blacklisted after the deadline. Of course, if the interest on online loans is too high for you to afford, you can also collect evidence to report it. After all, usury is illegal.

After loans overdue, there will be the following consequences:

1. has incurred penalty interest and liquidated damages.

After loans overdue, the first thing is to generate overdue penalty interest.

Alipay overdue penalty interest requirements:

Increase the interest by 1.5 times on the basis of the original interest. Overdue interest = overdue amount * overdue days * interest * 1.5. The longer the overdue period, the higher the interest charged. So it's best to pay it off as soon as possible after the deadline.

If the payment is overdue for more than 3 months and the amount exceeds 1 000, Alipay will sue the borrower to the court, not only to pay back the money, but also to bear legal responsibilities.

2. Personal credit is damaged

Before Alipay, only some users borrowed money for credit investigation, but the flower garden was not used for credit investigation. After Hua Bai's overdue loan, the Sesame Credit Branch was greatly reduced, which had little impact on personal credit information.

After accessing the central bank's credit information, the flower garden is overdue again, and Alipay will upload the overdue behavior to the central bank's credit information system, and the overdue record will be reflected in the personal credit information report.

The new version of the credit information update all adopts the mode of T+ 1, which means that once it is judged to be overdue, the credit information center will update the overdue records in the credit information report the next day.

Overdue online loans will lead to poor credit reporting, which is a proof of personal credit and can be regarded as a person's "economic identity card". When the credit information is bad to a certain extent, it will also bring many adverse effects to our daily life:

3, affect personal travel

If personal credit records are blacklisted, for example, those who maliciously default on bank loans will be prosecuted by banks. It will make it impossible for borrowers to fly and stay in star-rated hotels.

4. Affect employment

Some companies will conduct background checks on employees before joining the company. If they find a bad credit record, they may think that this person has integrity problems and refuse to let him work.

5. Affect children's education and daily life.

If parents are included in the list of untrustworthy people, some schools that need political examination may fail to pass the qualification examination of their children, which will more seriously affect joining the army, entering military schools, taking civil servants, institutions and state-owned enterprises.

How long is the small loans overdue?

Under normal circumstances, when the lender is overdue for more than 3 months, it may be regarded as a lazy person, which is a serious overdue behavior, and a serious overdue record will be left on the credit report, which is not conducive to the lender's future credit loan activities.

If the lender deliberately refuses to repay the loan, there is still the risk of being appealed by the lending institution. Where a lender applies for a credit loan product, the lender must repay the loan in full and on time as agreed. When applying for a loan, we should fully consider the individual's economic ability and make a reasonable loan.

How soon will loans overdue be blacklisted?

If the credit card is overdue, it will be blacklisted by the bank if it is overdue for more than 90 days. If the bank loans overdue, one or two overdue loans will not be blacklisted by the bank. However, if there are many overdue times, the borrower will be blacklisted by the bank.

If the borrower fails to repay the loan within the agreed time limit, the lending institution will punish the borrower and collect default interest. The longer the overdue period, the more penalty interest.

As long as you have a record of overdue loans, you will be marked by the lending institution. When borrowing again, due to poor credit, you can't enjoy preferential loan products with low interest rates.

When the borrower is listed in the "Lao Lai" blacklist due to serious overdue, his ID number and overdue information will be published in the media, or his work unit will be informed; Limited to high consumption such as flying and high-speed rail; Vehicles under the name of the Borrower are limited to expressway, etc.

How long does it take for online loans to be overdue?

6 1-90 days.

Due to the different regulations of each platform, the overdue situation of online loans is also different. Different days of overdue online loans have different impacts on personal credit information. In the credit investigation, those overdue by 1-30 days are marked as 1, 3 1-60 days as "2" and 6 1-90 days as "3".

The more days, the more serious. When personal credit information is marked as "3", it is basically blacklisted by banks for online loans, or it is called "Lao Lai". At this time, the circumstances are particularly serious, the use of basic credit cards will be restricted, and many businesses of banks will be difficult to handle.

Generally speaking, borrowers who are overdue for "three consecutive months and six times in total" will be regarded as problem customers by banks. If the customer is overdue frequently, and each overdue period does not exceed the grace period, the bank will upload it to the credit information system as appropriate, and then the bank will measure whether the customer is maliciously overdue according to its own evaluation criteria.

Extended data:

Consequences of overdue online loans: credit damage, being included in the "blacklist" system, affecting personal credit information; Penalty interest and liquidated damages, high interest and corresponding liquidated damages; After accepting the fancy solicitation of the platform for a long time, the platform is no longer convincing and begins to take practical actions; Such an incident of borrowing money and not paying it back belongs to a civil dispute. If the circumstances are serious, you will go to jail.

For seriously overdue online loans, once a record is left, it may be kept for 5 years. If the circumstances are particularly serious, the bad debts formed by the outstanding loans will remain in the credit report forever.

And it may hit a wall everywhere. If it is overdue for more than 90 days, it is likely to cause a blacklist of credit information. If blacklisted, it will affect buying a house and a car in the future, as well as taking a plane ticket, flying and staying in a hotel.

Therefore, the serious overdue or running of online loans has a great impact on later life.

Baidu encyclopedia-online loan