I need money urgently, and I can t apply for online loans and cyclical loans, is there any way?

The more you borrow from an online loan, the more difficult it is to pass the review of the online lending platform again.

If the number of online loan applications is too frequent or there has been an overdue online loan recently, it will affect the user's online black index score.

Once it becomes the blacklist of online loans, it will definitely affect the application of car loans and credit cards in the future, as well as the amount of Huabei and borrowing, and even the closure of Huabei and borrowing in serious cases.

Therefore, when applying for an online loan for a long time, you must check your online black index score in time to prevent credit damage caused by blindly applying for online loans.

You only need to open WeChat and search: Muli data. Click to query, enter the information to query their own Baihang credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Compared with the personal credit report of the central bank, the atmosphere of personal credit records is more extensive, and the institutions issued are more diverse, such as Muli data, sesame credit scores, etc., all of which are part of personal credit records, and on the whole, they are more similar to the big data credit information on the Internet, which is a useful supplement to the traditional personal credit report.

At present, the state is building an all-round "credit network" without dead ends, connecting the society and sharing information, whether it is credit reports or personal credit records, which are important parts. Protect your credit, for everyone, credit is the greatest asset and wealth.

If you can't pass, it's a regular platform, and if you do, it's a deceptive platform. It won't affect you either. Being cheated is the biggest problem.

Frequently apply for online loans and are rejected, but users are in urgent need of money, so they can try to apply for bank loans or private loans.

Online loans generally refer to online credit and the People's Bank of China.

If the user has bad online credit, then he can try to apply for a bank loan. However, there are problems with online credit investigation and credit investigation of the People's Bank of China, and users can only apply for private loans.

At present, the upper limit of the interest rate of judicial protection has been agreed on for private lending, so when applying for private lending, users should mainly pay attention to whether the loan interest rate is legal.

Extended information: 1. P2P online lending refers to direct lending between individuals and individuals through Internet platforms. Individuals include natural persons, legal persons and other organizations.

operate, and provide services cheaper than traditional financial institutions.

2. Since P2P online lending is still an emerging industry in China, the state has not yet supervised it. There is no doubt that the P2P online loan business is helpful to solve the capital problems of small and medium-sized enterprises, as a kind of private lending, although the loan cost is higher, but the fast arrival time of funds, the loan threshold is lower than that of banks are the reasons for enterprise choice, especially to solve the short-term temporary capital turnover is of great significance.

3. Online loans belong to bond investment, the income is clear, and the lender of the funds obtains interest income; The public often confuses it with equity crowdfunding, which is an equity investment with flexible returns, and investors can obtain future income by investing in the company, such as Jingbei Crowdfunding and 36Kr.

and so on belong to equity crowdfunding platforms.

Whether it is bond investment or equity investment, there are certain risks, investors should fully understand the risks, have sufficient awareness and mental preparation to bear the risks, and judge and bear the risks of the project on their own under this premise.

Since June, P2P online lending platforms have experienced frequent risks, seriously infringing on the legitimate rights and interests of the masses and disrupting the order of the market economy. Public security.

We attach great importance to this and immediately deploy public security organs in various localities.

Under the unified leadership of the Party Committee and the People's Republic of China, we will closely cooperate with the relevant regulatory departments to carry out investigations and cases in accordance with the law, go all out to recover stolen goods and fugitives, and make every effort to safeguard the legitimate rights and interests of the masses and the order of the market economy. The public security organs have prosecuted more than 380 cases suspected of illegal fundraising in accordance with the law.

According to incomplete statistics, the value of the assets involved in the case was sealed, seized and frozen at about 10 billion yuan.

What should I do if I can't get an online loan and need money urgently?

1. Credit card cash advance.

Basically, as long as the credit card status is normal, there is no stop payment, freezing, and no bank deactivating the cash withdrawal function, you can withdraw cash directly at the ATM machine when there is a cash withdrawal limit, but you should pay attention to the single-day cash withdrawal limit.

However, credit card cash withdrawals can only withdraw up to 50% of the credit card limit, and if the credit card limit is not enough, it may not be able to meet the demand. In addition, credit card cash advance needs to be one-time, which is relatively stressful, and is only suitable for short-term capital turnover.

2. Credit card cash installment.

It is also borrowed through a credit card, but the amount is higher than the cash advance, you can borrow money with 100% of the limit, and the repayment cycle is also long, many banks can provide a 24-month installment period, and you can handle it interest-free, and you only need to pay a little handling fee every month.

However, cash installments need to be approved by the bank, and the applicant must have good card use behavior, good credit, and the ability to repay before it is possible to borrow money.

3. Private small loans.

There are many private microfinance companies that can also provide loan services, and the requirements for applicants are not as high as those of banks, but the interest rate is relatively high, and the key is to find a formal private structure. Before borrowing, you can inquire about the company's operation and business situation, see if it has a business license, whether it will charge arbitrarily, etc.

If you can't borrow money through the above methods, then see if you can borrow some money from friends, give some interest, make an appointment for repayment, make an IOU, etc.

If you need to borrow money, where can you borrow it? In fact, there are some ways to solve the problem. The first is to borrow money from relatives and friends; The second is through a bank loan, but the application process is more complicated and the application time is longer.

The third is to apply for a credit loan through the Internet credit platform with your own personal credit, the advantage is that you can apply online, and it is more convenient to apply for the account.

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.