Alipay sends overdue SMS.

According to your questions, the specific answers are as follows:

According to the situation of Alipay borrowing money, if you repay in 12 installments, as long as there are overdue installments, it will be regarded as overdue. After the deadline, Alipay may remind you to go to an untrusted system by SMS.

Regarding whether it will be on an untrusted system, you can refer to the following instructions:

1. Alipay has the right to list users in loans overdue as untrustworthy and upload relevant information to the national credit information sharing platform.

2. Alipay has a cooperative relationship with the dishonesty publicity system, and has established a corresponding untrustworthy list sharing mechanism.

3. If you fail to repay the loan on time, you will be included in the list of dishonesty, which will have a negative impact on your credit record and may affect your other credit aspects, such as loans and renting houses.

To check whether you are included in the list of untrustworthy people, you can refer to the following channels:

1. Log in to Alipay APP and find the "Integrity" section on the "My" page.

2. Click on the "Integrity" section and enter the personal integrity information page, where you can check your current credit status.

3. If you are on the list of untrusted persons, you will see corresponding tips and relevant information.

Summary: If you are overdue in the Alipay loan, Alipay may put you on the list of untrustworthy people and upload relevant information to the public notice system of untrustworthy people. Therefore, it is recommended that you repay the loan on time and maintain a good personal credit record.

Extended data:

As a leading third-party payment platform in China, Alipay has cooperative relations with major banks and credit reporting agencies, and is committed to creating a social environment of credit and trust. By actively fulfilling the loan contract and maintaining a good credit record, individuals and enterprises can obtain more credit facilities in lending and consumption.

The above is a detailed answer to your question, I hope it will help you. If you have any other questions, please feel free to ask me.