The brand of Baidu wallet loan is "Baidu has money to spend". Failure to repay on time will be penalized, and it will also be reported to the credit bureau, which will affect future loans.

Users who are overdue for a long time cannot continue to borrow money, and they need to pay off all the debts before they can continue to try to borrow money. If it is overdue frequently, your quota may be reduced or cancelled. It is recommended that you repay on time, so as not to affect your personal credit. In addition, keeping a good loan record will help you pass the loan review smoothly and may get a higher amount.