Not necessarily, it depends on the lender. Firefly Small Loan is a lending product under Tongcheng Tourism. Firefly Small Loan has two lenders, namely Shanghai Bank and Firefly Small Loan. Users need to pay attention to check which institution put the money. If it is a loan from Shanghai Bank, it will be reported after the deadline. If it is a small loan from fireflies, it will not be reported. Although firefly small loans will not receive credit information, they may charge membership fees or high interest, and the interest is not fixed. Lenders need to be cautious in lending.

Can I apply for an extension after loans overdue?

The loan can be postponed. Generally, you can apply for deferred repayment before you are unable to repay, or after you are overdue. However, before the deadline, only 1-3 months can be applied for deferred repayment. You can apply for 1-3 years deferred repayment after the deadline, but you must provide proof of poverty. In addition, during the deferred repayment period, the credit information will always show overdue, and interest will usually be charged. There are two purposes of deferred payment, one is to stop collection, and the other is to prevent litigation.