Hello, willful loan is a credit loan product. Once overdue, it will affect the credit of the lender. Generally, the longer the overdue time, the more obvious the impact. Mainly reflected in the influence of overdue related expenses and personal credit information:

(1) After the overdue period, the platform will charge the overdue fees on a daily basis according to relevant regulations;

(2) Leave overdue records on the personal credit report, which further affects the personal credit record and the later loan application.