After the user pays off the bank loan, the bank will issue a loan settlement certificate. With this certificate, the next time you apply for credit business, you can show this certificate to tell financial institutions that the last bank loan has been paid off. Of course, in the absence of proof of loan settlement, financial institutions can also find out whether the user's bank loan has been paid off by inquiring about credit information. Generally speaking, banks will not take the initiative to issue loan settlement certificates. If users need this certificate, they can take the initiative to apply after the loan is paid off.