Whether it is a personal online loan or a P2P online loan, borrowers who fail to repay their loans or are in default may be included in the online loan blacklist. 1. Online loan blacklists will have a negative impact on borrowers’ credit records and may lead to poor credit reporting. 2. Credit reporting agencies will incorporate online loan blacklist information into the credit reporting system and mark it in personal credit reports. This will make it difficult for borrowers to apply for other loans, credit cards and other financial products in the future. 3. The blacklist record can last for a period of time, and the specific period varies according to different credit bureaus and loan contracts. Summary: Online loan blacklists will have a negative impact on personal credit, making borrowers encounter difficulties when applying for other loans.

Extended information: Online lending business is subject to supervision in China, and relevant regulations include the "Interim Measures for the Management of Business Activities of Online Lending Information Intermediaries" and so on. Credit reporting agencies incorporate online loan blacklist information into the credit record system in accordance with the principles of legality and compliance.