It won't affect. The records of the credit center only record the loan amount and repayment records. If it is paid off, the credit will be paid off, but the loan record will be kept, which may be extended to 5 years in the new credit report, that is, there will be this online loan record within 5 years, and there is no such thing as cancellation will eliminate the loan record.

Extended data:

Since it does not affect the credit investigation, why should it be cancelled?

Security issues, after the cancellation of online loans, your personal information and ID card will be destroyed with the cancellation of your account (the specific destruction situation is not really verifiable), so the risk of identity information disclosure and misappropriation is reduced. We can see that many online loan companies will have such a situation. Internal employees sell the information of online loan personnel for profit, or package the data for public sale, so if you pay off the platform, you must cancel it.

Breaking your own back is another reason. Once it is cancelled, it is basically impossible to borrow it again. Many people began to borrow again shortly after landing, and once again fell into the quagmire of online loans. After paying off the account, there will be no chance to borrow money, and you can get rid of it completely by being hard on yourself.