Banyan Tree Loan is a popular loan product. Some netizens want to know whether the Banyan Tree loan is on credit, so is it on credit? First of all, Banyan Tree Loan does not directly provide loan services, but collects loan products from a number of financial institutions and only provides loan information services. Banyan Tree Loan Application for a loan mainly depends on the lender. If the lender is a formal financial institution such as a bank, then the loan records will definitely be collected. Secondly, credit reporting is divided into people's bank credit reporting and third-party credit reporting. Some microfinance products do not go to the central bank for credit information, and may go to a third party for credit information. The influence of third-party credit reporting is not as great as that of the People's Bank of China, but it does not mean that the influence is low, and there will be corresponding overdue consequences that users need to bear. To sum up, Banyan Tree does not directly provide loan products, and it is up to the lender to decide whether to obtain credit information. If the lender is a financial institution that receives credit information from the People's Bank of China, it will certainly receive credit information. Other lenders who have not obtained credit information from the People's Bank of China will report it to the third-party credit reporting agency even if they cannot report it to the People's Bank of China, which will still affect the future loan approval. It is suggested that the borrower repay the loan on time to avoid overdue.