Under normal circumstances, after the online loan and small loan are paid off, the credit record will be updated in about one month. The specific update time may be different for individual credit reporting agencies. Credit reporting agencies will regularly obtain the latest repayment information from financial institutions and update it in personal credit reporting. So generally speaking, after you pay off the online loan and small loan, you will update your credit record in about a month.

It is worth noting that the update of credit records is not immediate, and there may be some delay. If you find that the credit record has not been updated after paying off the loan for one month, you can contact the credit reporting agency for consultation and verification. In addition, if you have repayment records related to other loans or credit cards, these records will also have an impact on your credit information. Therefore, paying off the arrears of other loans or credit cards in time is also an important part of maintaining a good credit record.

To avoid becoming a blacklist of online loans, we should not only pay attention to overdue repayment, but also pay attention to avoiding long-term borrowing. Through the "Xiaoqi Credit Information", you can check your long-term borrowing situation. Long-term loans mainly refer to recent loans.