According to Baidu Encyclopedia, online loans are not used as credit records, and some online loans are not connected with the People's Bank of China's credit information. Therefore, online loans that are not used as credit records will naturally not affect personal credit information.

Credit information depends on whether the microfinance company is connected with the credit information interface of the central bank. The data shows that there are less than 100 microfinance companies accessing the central bank's credit information interface.