The loan applied by parents is a personal loan, and its main influence is to increase the personal debt ratio. Only after loans overdue, overdue records will affect personal credit. As for timely repayment, only the information of timely repayment will be recorded in the credit information, which belongs to a good credit record and is beneficial for users to actively maintain personal credit information. Non-repayment doesn't mean loans overdue. As long as the loan is repaid on time, there will be no negative impact.