What will happen if the online loan lender is a bank? The online loan lender is a bank. It means that the online loan model is joint lending. The online loan platform is only responsible for attracting traffic and matching users who meet the basic requirements to banks. It is the bank that really has the decision-making power over user loans. The bank's risk control system controls users. The loan will be released only after passing the second review. Bank lending means that the borrower's online loan is directly linked to the credit report. The credit report can directly check the information of the online loan, such as the loan amount, lending institution, loan time, etc. The inquiry record will also show the loan time. Bank loan approval records and monthly repayment records will also be reported. But don’t be discouraged when you see banks lending money, as long as you repay it on time. From another perspective, compared to a white account without any credit record, bank lending can help you establish credit and get rid of the white account status. If there is no overdue payment, it means that the borrower has a good willingness to repay and the repayment ability is also good. However, if the online loan issued by the bank is not repaid on time, bad credit will occur if it is overdue, and there will also be some negative consequences, such as being collected by the bank, or even being sued, etc. It should also be noted that if you want to apply for a house loan or a car loan in the future, online loans with a credit report will also have an impact. It is best to settle the online loans first. In short, there are advantages and disadvantages to using banks as the lender of online loans. Anyway, we should weigh it carefully and do not borrow blindly.