Under normal circumstances, the normal use of online merchant loans will not affect credit reporting. The online merchant loan has been connected to the credit information system, and the borrower needs to authorize the online merchant loan to inquire about the personal credit report during the application process. Therefore, every time an online merchant borrows money, the online merchant will report the loan record to the credit information system. If the borrower has overdue behavior, the overdue record will be uploaded to the credit investigation, which will have a negative impact on the credit investigation. Personal credit is overdue, and it will have a certain impact to apply for a credit card or a loan later.

In addition, online business loans are micro-loans launched by online banks. If borrowers frequently borrow from online merchants, it will also have a great impact on mortgage and car loans. Because when the bank examines the credit report, it sees that the borrower has a small loan every month, and it will doubt the borrower's economic ability and repayment ability, thus refusing the loan.

What are the conditions for online business loans?

① Chinese mainland citizens aged between 18 and 65 with full capacity for civil conduct have good personal credit and no bad records.

The applicant is the legal representative of the enterprise or the person in charge of individual industrial and commercial households, and the individual operator of Alipay.

③ Sesame credit score is above 600 points, and Alipay account has been authenticated by real name, and the flower garden has been opened.

④ industrial and commercial registration time is not less than 1 year.