Qinhuangdao loan is not an advertisement for loan products, just to attract customers. When you borrow from this platform, you not only need to pay back the money, but also need to pay high interest, so this is a scam.

As long as regular loan companies have certain interest, non-repayment will have certain influence on future credit investigation. Please apply for a loan through a formal financial institution, and don't trust strange friends, strange phone calls, text messages, online advertisements, etc.