Hello, the essence of ant borrowing is an internet credit product, which is funded by Ali's small loan company and has been connected to the central bank's credit information system. The record of every loan we borrow will be displayed in the central bank's credit information system, but as long as you don't repay it on time, it will generally not adversely affect the user's credit information. However, if it is overdue, it will also be displayed in the credit information system simultaneously, leaving your bad credit information record. So I suggest you take good care of your credit when using it and repay it on time. In addition, if you need money urgently, I suggest you choose a big brand loan, with transparent interest and fees, and at the same time ensure your information security. "Qianhua" is the original Baidu financial credit service brand (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). Its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model. Relying on the advantages of Baidu technology and scene, "Qianhua" uses artificial intelligence and big data risk control technology to provide users with convenient, fast and safe Internet credit services. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. I hope this answer is helpful to you. Click on the bottom of the phone to measure the amount immediately. The maximum loan amount is 200,000.