What you encounter is fraud. The swindler impersonated a loan company. The purpose is to cheat you of your money. There is no loan at all, and there is no need to repay. If there is no loss now, there is no need to call the police. If you are cheated, call the police directly. If you don't receive the loan, you have no obligation to repay it. Will not affect credit. If you have overdue repayment, only formal financial institutions can affect the credit investigation.