I can't immediately know whether I have been loaned, because there are two situations of being loaned. One is to borrow money from banks and financial institutions. After success, I won't receive a text message. Only after the overdue or loan records are uploaded to the credit information center and updated will they be displayed to let me know that I have been loaned. The other is a private loan company. You won't know unless the criminals fill in your own phone number and the organization calls you for collection.

So how do you know if your confidant has been loaned? Inquiries can be made through the Credit Information Center of the People's Bank of China. If you don't have a loan record and are worried that your identity will be loaned by others, you can go to the Credit Information Center of the People's Bank of China to inquire about the Personal Credit Information Record Report, and there will be loans in your name on the national network. Of course, this report is lagging behind, about a month. If you have already opened the online bank of the loan bank, you only need to log in to the online bank official website for loan inquiry.