Online loan application records are usually kept in the credit information for a period of time, which is determined according to the Regulations on the Management of Basic Database of Personal Credit Information issued by China Credit Information Association (hereinafter referred to as the Regulations) and the requirements of the central bank and other relevant institutions. According to the current situation, the records of online loans will generally be kept for the following periods:

1. overdue records: overdue repayment information may be kept in credit information for many years, generally ranging from 2 to 5 years. The specific retention time varies according to the overdue situation, the loan amount and the policies of specific credit reporting institutions.

2. Settlement record: Once the online loan is paid off on time, the settlement record will be kept in the credit report for a period of time, usually 1 to 3 years.

3. History: Even if the loan has been settled or overdue, the history of online lending may remain in the credit information for a period of time, usually 2 to 5 years.

It should be noted that the provisions of credit reporting agencies on retention time may change, so the specific situation may vary from time to time. In addition, the credit report also includes other information related to personal credit, such as credit card records and bank loan records. To sum up, the records of online loans will be kept for a period of time, depending on the overdue situation, the loan amount and the policies of credit reporting agencies.