Basically, it has no effect. As long as you don't apply for online loans frequently, and even affect your own credit information, it will have no effect on future loans.

Many small loan companies and online loan products will still check personal credit information. If an applicant submits a loan application to several lending institutions at the same time, or applies for a loan in the same lending institution for many times in a short period of time, personal credit reports may be frequently inquired.

If there are too many inquiries in the short term, it will undoubtedly affect the loan approval. Therefore, Bian Xiao's rate proposal of Bangjin Service suggests that even if you need money urgently, don't apply for online loans at will. Instead, choose one or two formal and legal online lending platforms and submit applications. If rejected, don't apply again in the short term.