What should I do if I can t get an online loan?

Hello, formal loans are linked to personal credit information, when applying for a loan, you should check the credit situation, if there is overdue repayment, it will have a negative impact on personal credit, it is recommended that you take out a loan within your means, repay on time and maintain credit.

Nowadays, there are so many loan platforms, and if you choose a large platform for loans, you can ensure the security of funds and information, and you can use loans more confidently. It is recommended that you use Du Xiaoman Finance's credit service brand (formerly known as Money Flower), which has the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

The interest rate is the lowest, and the maximum amount can be 200,000 when you click on the test.

Share with you the application conditions of Du Xiaoman Financial Money: The application conditions of Du Xiaoman Financial Money are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Du Xiaoman Financial Money, please borrow reasonably according to your needs, and the specific product information is subject to the actual page of the official app of Du Xiaoman Finance. Hope this helps.

1. Negotiate repayment:Whether it is an individual creditor or a lending institution, don't run away from the problem of repayment, and the money you owe always has to be repaid. Express your good willingness to repay, then explain your current situation, negotiate a postponement of repayment or installment repayment, and reduce your repayment pressure.

A filial piety relative to the installment that you don't repay, you will agree to it, after all, blind persecution can't solve the problem well.

2. Ask relatives and friends for help: I already owe too much, so I can confess to my family and tell the truth. Enlist the help of relatives and friends to help you get through this temporary difficulty, and the governor promises to pay the arrears slowly in the future, and if necessary, write an IOU.

3. Sale of property:If you have a property or a vehicle in your name, you can sell it first to repay the loan, and you can buy these things again in the future, and get through the current difficulties first. This method can solve the urgent need, but it is also a last resort.

4. Open source and reduce expenditure:I need a good job, so that I can continue to have funds in my account, so that I can slowly overcome the predicament. At the same time, the usual living expenses should be reduced, and if you can not spend it, you should not spend it, do a good job of saving money, and pay off the arrears first.

Handling of repayment of online loans: Negotiate with the lending platform to postpone repayment or repay in installments, and in addition, debtors can actively look for suitable jobs and strive to repay online loans as soon as possible. If the online loan is not repaid, it may affect the personal credit investigation, which will have a certain impact on the party's future housing loan and car loan.

[Legal basis].

Article 667 of the Civil Code provides that a loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest. Article 668 of the Civil Code provides that the loan contract shall be in written form, unless otherwise agreed upon by natural persons. The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

1. Put down the seeds.

After the online loan is overdue, the reason why the borrower does not dare to let the family know is because he is afraid that the family will blame him, and at the same time, he is afraid that his relatives and friends will know that he will not be able to save face. In fact, it has reached this point where the mountains and rivers are exhausted, what can you take into account that you don't have to face? Put down your face first, put it on the ground and rub it, and tell yourself that now that you have no face, you must confess.

2. Find out why.

Find out why you are borrowing so many online loans? Why did you find yourself in such a situation? What did you do with all this money?

If you take all this money and squander it somewhere else, slap yourself hard and tell yourself never to do such a stupid thing again. If the money is used to do business and the turnover of funds is lost, at least it means that you are still a self-motivated person, summarize the reasons for the failure of the business, and start all over again.

3. Prepare for the worst.

What would be the worst outcome after you confessed? How do you deal with it? As parents, there will be a calf protection psychology, they are afraid of the child frightened, often borrow money to help the child pay off the online loan, if you meet such parents, it is a blessing from eight lifetimes, remember to go ashore, never touch the online loan again, even if there is no money to sleep on the street, you must not touch.

If your parents have a bad temper and beat you up and scold you, don't think about it, at least let your parents be mentally prepared when they face harassment by collectors, at least they won't be so angry that they fall over.

4. You have to rely on yourself when you go ashore.

Confessing is just to make yourself feel more relaxed, and if you want to go ashore, you have to rely on yourself. Calm down and analyze it, get a credit report on a platform like Innocence Data, and find out what online loans you owe at the moment? Which ones are on the credit report?

Which ones are not on the credit report? What can be delayed, slowed down? What is outside the statutory interest rate?

Do it in your heart, discuss the online loan of the money that is on the credit investigation and are eager to repay the money, and see if you can repay the loan in installments? Calculate how much you're going to pay back each month and work hard to make money! There is only one goal every month, and that is to pay back the monthly payment, stick to it for a year or two, and you will successfully go ashore.

Hello, I am the cooperating lawyer of the consultation and have received your question.

Hello, I am the cooperating lawyer of the consultation and have received your question.

It is recommended that you negotiate with your family to repay the loan as soon as possible, or negotiate with the platform to repay the loan in installments.

Article 675 of the Civil Code: The borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time. Article 676 of the Civil Code If the borrower fails to return the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 2 of the Supreme People's Court's Several Provisions on the Publication of Information on the List of Judgment Defaulters: Where persons subject to enforcement have the circumstances provided for in items 2 through 6 of article 1 of these Provisions, the period for inclusion in the list of judgment defaulters is 2 years. Where the person subject to enforcement uses violence or threats to obstruct or resist enforcement, or has multiple untrustworthy conduct, it may be extended for 1-3 years. Where judgment defaulters actively perform the obligations set forth in effective legal documents or take the initiative to correct untrustworthy conduct, the people's courts may decide to delete information on untrustworthiness in advance.

Questions. The amount is not large, it is recommended that you explain to your family as soon as possible and negotiate to return it as soon as possible.

Questions. Good.

Hope your problem is solved, deal with it as soon as possible.

Questions. Then can I repay the principal without paying the interest?

No, return all in a timely manner as required, if the interest penalty is too high, you can negotiate with the other party or report directly to the financial regulatory department, but you still need to return it first.

Questions. Good.

Can I talk to the platform?

I hope your problem has been solved, if you have any questions, please feel free to contact.

Questions. Thank you.

Yes, if the amount is not illegal, the other party may not agree, but you can negotiate first.

First of all, there will be a stain on personal credit. Nowadays, almost all formal loans are linked to personal credit information, and when applying for a loan, it is necessary to check the credit information, and the loan and repayment records will also be reflected in the credit report of the People's Bank of China. If there is a late repayment, it will have a negative impact on personal credit reporting.

Secondly, the online loan platform will charge overdue penalty interest, which is usually charged on a daily basis, and the penalty interest = overdue principal * daily interest rate * number of overdue days, and the specific charging standard is subject to the loan agreement.

Finally, the online loan platform may send payment reminders through **, SMS, etc.

Therefore, it is recommended that you do what you can when borrowing, make timely repayments, and maintain a good personal credit history.

If you have a lot of repayment pressure, you can choose to use big brand credit products that support installment repayment, such as Alipay Borrow, Tencent Micro Loan, and Du Xiaoman Finance. Money is the credit brand of Du Xiaoman Finance, which provides users with safe and convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

This is provided by Kangbo 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. Hope this helps.

1. Plan for the worst, and you can't borrow it anymore.

The repayment of old debts and new debts is increasing year by year, and the bigger and bigger it is, it will also roll faster and faster, and within three years, tens of thousands will roll over to more than one million, and you can't turn over if you want to. If you borrow, you have to pay it back, and it is a matter of course. Find your overdue records through WeChat on various platforms, such as clearing your own data, sort out all your online loan arrears, figure out which platforms you owe, the repayment date of each platform and the repayment interest, etc., and make a repayment plan according to your income and other aspects after the sorting is completed.

2. Confess to your family and friends in a timely manner, the sooner the better, and find a way to pay it off all at once while there is not much left.

After learning a lesson, don't touch it again, find a job with peace of mind, go to work steadfastly, enhance your ability, work hard, and earn back the little money you lost in a year or two. Don't be obsessed with it, you will ruin your life if you fall into it, and if your psychological tolerance is too poor, you may do something you shouldn't do, either illegally seek profit to pay off debts, or seek relief from death. You should sober up early, consult more mature people, don't ask your peers and classmates, but ask experienced people who have experience, in order to find a way out.

3. After terminating the loan, you should immediately find a job, and work quietly under pressure, how to repay the debt if you have no income.

When looking for a job, you can't be lazy, and you can't break the jar. You must work with peace of mind, so that you can have a way out, get out of the quagmire, and be the beginning of a good life. It's young and it's okay to suffer a loss, so I'm afraid of being defeated.

When people live, they can accept their fate, but they must not admit defeat. It's nothing more than a life, who is afraid of whom, if others violate you, you have to use the legal ** to return it. Of course, the debtor borrows money first, and what should be repaid must be repaid, which is the foundation of being a human being.

If the debtor wants to go ashore, he can only make money in a down-to-earth manner.

1. Explain the situation to the contact person in your address book before the deadline, and be mentally prepared to be collected, otherwise you will be at a loss and resentful when you receive **. So, instead of letting the collector say it, it's better to confess it yourself, and of course you can also say that you leaked your information. In short, be sure to inform them in advance, so that they can insist that they don't know themselves when they receive **, which may reduce the harassment they receive to a certain extent.

2. If you don't owe much, confess it to your family. Don't feel embarrassed to save face, you must know that the later you confess, the greater the impact, and you may have to pay back an extra day if you delay it for a day. So confess to your family and try to get their understanding.

Although they may beat you and scold you, I believe that they will face and bear it with you in the end.

3. Obtain a credit report on public platforms such as clean data, check your overdue records, and classify your online loans, formal and informal, those on credit and those on non-credit information. If you want to repay the money but the funds are not enough, then negotiate with the online loan platform and give priority to the repayment of the formal credit report to minimize the impact on yourself.

4. If you feel that your family can't help you, and you don't want your family to help you repay the money, then there is only one last way to go, and that is to force you to go ashore. Forced ashore does not mean that all online loans will not be repaid, and the money still has to be repaid, but it is just a question of how, when and how much to repay. Since you really can't repay the loan for the time being, it's better to stop paying it all for the time being, and let yourself return to normal life and work hard.

Otherwise, if you keep taking out loans to support your loans, you can't even pay the most basic interest, so how can you go ashore?