An online loan of RMB 100,000 will also have the following effects:

1. Damage to credit record: The borrower fails to repay on time or does not repay at all, which will affect his personal credit Records have a negative impact. Such a move could result in a decline in a borrower's credit rating, making it more difficult to apply for a loan or other credit product in the future.

2. Collection Actions: A borrower's failure to repay a debt often triggers a collection action. Collection agencies may pursue recovery through phone calls, text messages, legal channels, etc., and may take further measures such as reporting to credit reporting agencies, prosecuting, etc.

3. Increased legal risks: Failure to repay may violate relevant legal provisions, such as the provisions of the loan contract in the Contract Law. The borrower may be subject to legal liability, including the risk of being held civilly liable or criminally liable.

4. Increase in interest and penalties: Failure by the borrower to repay the loan on time will result in the accumulation of interest and overdue penalties. The longer the overdue period is, the more related fees will accumulate, and ultimately the borrower will have to bear a greater repayment burden.

5. Relationship breakdown: A borrower's failure to meet repayment obligations can lead to a breakdown in the relationship with the lender, which not only affects the trust of both parties, but can also harm family, friendships or business partnerships.

6. Social impact: Borrowers’ failure to fulfill their repayment obligations may have a negative impact on the entire society. Such behavior may encourage others to not fulfill their debts seriously, thus affecting financial order and social stability.

Summary:

Online loans of 100,000 yuan will also have serious negative impacts, including damage to credit records, collection actions, increased legal risks, increased interest and penalties, breakdown of relationships, and social impact etc. Therefore, borrowers should always abide by their contractual obligations and repay their loans on time to maintain a good credit record and good interpersonal relationships.