Will online merchants come to collect loans locally?

No.

Online merchant loans will not come to your door for collection. After all, Online Merchant Loan is a formal loan product of Online Merchant Bank, so naturally there will be no door-to-door collections like those informal online loan products.

However, if the loan on the online merchant loan is overdue, the borrower should pay off the debt as soon as possible. After all, online merchant loans are connected to the central bank's credit reporting system, and if they are overdue, they will be reported to the central bank's credit reporting system. If the borrower has been overdue for payment, Online Shangdai may also send text messages or call the borrower to collect the loan.