Where can I borrow money if the overall score is insufficient

This is to save you, please tell you that it is time for you to go ashore. I have applied for so many online loan platforms, and I have not done it, this is the last warning from God. As long as you have food to eat, you don't have to borrow money outside to get by.

Generally, when it comes to this state, in fact, all assumptions have been overturned, and there is only one reason left, that is, you have too much debt, too many co-debt platforms, and a lot of overdue on the Internet, and you are already a standard online borrower. According to Mr. De's professional speculation, there must be at least 15 platforms that have been borrowed, and at least 8 platforms that are expected to be in arrears. Do you want to refuse to borrow even those illegal online lending platforms without licenses, how bad is your online credit?

At this time, haven't you woken up? After learning from the pain, you should cut off all the lives of "borrowing to support goods". Re-examine your income structure, spending structure and spending habits, no matter what you are indebted for, but these things cannot be continued.

If you can't live the life of the past, then you should go ashore. But now you certainly don't have the money to settle your past accounts, so what to do? Then force the landing, don't worry about the accounts of any family in the past, even if the personal credit is spent, there is a poor way to go ashore.

Time will help you get ashore".

Mr. De has a somewhat decisive suggestion for you. Change your mobile phone card, change your life status, give up all the hobbies you liked in the past, and stop contacting all the friends you used to play with, and go to find a job. For example, in the past, I liked to play games, uninstall games, and cut ties with friends in games.

In the past, I liked to drink, quit drinking, and cut off all my drinking friends. Find a new job and work hard for half a year to a year. Make your life simple, cut off social interactions, give up circles, and naturally the online loans in the past will no longer catch up with you.

After you have saved a little money, you will review the accounts you owe, and if there are those who are on the credit report, you will negotiate slowly, negotiate slowly, clear them, and give yourself a clean identity. Those who are not on the credit report, some of them are actually no longer available after a year, so they will naturally be eliminated. If you have a court lawsuit with you, according to the evidence, you will pay back as much as you should repay, and you will not pay back the part that should not be repaid.

When you have multiple debts and no longer have any credit, that's when you should take a break from it.

If your previous credit investigation is not very good, you can verify whether it exceeds the retention statute of limitations (5 years) in the People's Bank of China system, if it exceeds the statute of limitations, you can log in to Ping An Pocket Bank - Finance - Loan - Auto Loan, learn more and try to apply, our bank will evaluate according to your comprehensive qualifications, whether you can lend is subject to the final review result.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

The lack of comprehensive scoring you mentioned generally exists in the scoring system of online loan products, and this system itself has elements of routines, and you don't need to deliberately care about the so-called insufficient score.

Let me first popularize the concept of scoring with you, the score we usually refer to is generally the personal credit of the central bank's credit system, and the credit system of Alipay and WeChat will also be mentioned, but the credit system of online loan products will never be mentioned. The banking system generally inquires about the personal credit of the central bank, and the credit products of Alipay and WeChat will inquire about the user's personal credit and the credit history of the relevant system. In addition, users don't need to worry about other scoring systems, the lack of comprehensive scoring you say is generally the result of your feedback when you apply for an online loan, and this score itself has a routine.

First, don't believe in the so-called insufficient comprehensive score.

As I said above, this comprehensive score is actually an internal score of the online lending system. For many online loan products, these online loan products themselves are informal, so the scoring system has no fairness at all. The reason why many online loan products will launch so-called ratings is mainly to fool users in this way.

When a user applies for an online loan product, the online loan product requires the user to submit his/her own real-name information, and then the user's personal privacy will be collected. Online loan users do not really want to lend to users, but only to steal users' personal privacy, so the reason given is that the comprehensive score is insufficient. <>

2. I suggest that you apply for a loan through formal channels.

There are many formal channels, mainly focusing on lending institutions and banking institutions, and I personally recommend that you apply for formal loan products from banking institutions. The threshold for bank loan products is relatively high, and at least the user's personal credit is good. If you don't know your personal credit situation, you can log in to the central bank's credit information system and evaluate your credit situation in this way.

If you have a problem with your credit profile, the most important thing you need to do is not to borrow money everywhere, but to pay off your debts as much as possible, otherwise your debts will only get higher and higher. <>

1. E-point loanE-point loan is a small loan product under Beiyin Consumer Finance Company, which will be launched in 2020, with a maximum loan amount of 50,000 yuan and a minimum application amount of 1,000 yuan. For most users, the loan amount of e-point loan can already meet the daily consumption needs. The maximum loan term for e-point loan is 12 months, and the minimum daily interest rate is.

Of course, users apply for a loan at e-point loan, and the whole process is also online, with fast approval, and the loan can be completed in 1 minute at the earliest. It supports borrowing and repaying at any time, and there is no handling fee for early repayment.

2. JD Gold BarJD Gold Bar is a small loan product of JD Finance, mainly serving JD users, and can support withdrawals of up to 200,000 yuan. Users can choose to apply for a loan directly in the JD app, or they can register in the JD Finance app. The whole process is online, and the process is very simple.

Fast approval, the loan amount can be received in 5 minutes at the earliest.

3. The full name of Good Loan is Zhaolian Good Loan, which is a personal small and micro credit product under Zhaolian Consumer Finance. The maximum amount that good loan users can apply for is 200,000 yuan, and the maximum installment repayment can be 36 installments.

Hello, the overall score is insufficient, and users can try to apply for an online loan. Different online loans have different review criteria, for example, the review result of loan A is insufficient in comprehensive score, but the user can pass the loan review when applying for loan B. Therefore, when applying for a loan, if the overall score is insufficient, then the user can try to apply for other loans, and other loans have a certain chance of passing the review.

If you have been applying for a certain type of loan, or if you focus on applying for a loan from a certain bank, and get an evaluation with insufficient overall score, applying for a loan multiple times will not change the review result. You can try online financial loans, such as Du Xiaoman Finance. I hope it can help you and wish you a happy life.

At this time, you can borrow money from your family or friends, and you can also borrow money through official banks, but do not borrow money through online loans.

It is possible on some small platforms, but the money borrowed in this way is not guaranteed, and the interest may be so high that you can't afford to pay it back.

If it is overdue, then the comprehensive score will be insufficient, and the personal comprehensive score will be insufficient, and it will be impossible to borrow money from a formal online loan platform or a bank. When applying for a loan, the loan company's review will also be based on the borrower's comprehensive score. If the score is low, then the loan cannot be borrowed, and the loan application will be rejected.

If your overall score is insufficient and you want to borrow, it is recommended that you think about whether you are overdue or blacklisted.

Regarding the importance of personal comprehensive score, personal comprehensive score is the most important analysis method for many borrowing companies to evaluate a person, and the comprehensive score is also a record of a person's personal credit information. If everyone's comprehensive score is insufficient, they can only borrow money on informal online loan platforms. Moreover, there are many online lending platforms that collect users' personal information, but they will not lend successfully.

Then the lack of comprehensive score is also likely to be due to the fact that everyone borrows money from multiple online loan platforms, so it will not be approved by other formal online loan platforms.

The reason for the lack of comprehensive score is actually not recommended to borrow money from multiple online loan platforms, because the interest rate of online loan platforms is very high. Even if I have calculated before, how to repay the money. However, as the interest increases, it is also likely that it will not be repaid in the future.

Therefore, if you are really in a hurry, you can apply for a loan at a bank or borrow money on a formal online platform. But if you are not in a hurry, there is no need to borrow.

If the online loan platform is not formal, it will leak the borrower's personal information, and some borrowers will find themselves unexplained with other loans. Therefore, if you want to solve your urgent needs, it is recommended that you apply for a loan at a regular bank, and after borrowing, it is best to repay the loan immediately, so that your personal score will become higher.

There may be no place to lend you money, because your overall score is insufficient, so your credit is not enough, so you can't borrow money. And it's illegal to borrow usury, and you can't borrow usury.

You can borrow money from relatives, because your comprehensive score is not enough, so you can't take out a loan, especially in the review process.

Can you elaborate on the question you would like to ask?

Question: Where can I borrow money if the comprehensive score is insufficient?

There are a number of small lending platforms that can be selected, and there are now many small borrowing platforms through which you can borrow.

It is possible to go to some platforms. For example, Jingdong gold bars are either borrowed or Huabei. These platforms are very reliable.

1. If the credit is too dark, such as having an overdue record, you need to wait for the overdue loan to be settled before you can apply for a loan; If it is only more expensive to report credit and there are more hard inquiry agencies, it is generally not necessary to apply for any credit products within three months, which will help to restore credit information.

2. The borrower can try to apply for a mortgage loan and provide collateral approved by the lending institution, such as real estate and vehicles. Mortgages have relatively low requirements for borrowers and a higher loan success rate.

3. If you don't have enough assets, you can also try to find a guarantee company or guarantor to guarantee your loan. Third-party guarantees need to be creditworthy, have sufficient repayment ability, and be willing to bear the responsibility for repayment.

Hello, there are two platforms for your reference where the comprehensive score is insufficient to borrow:

1. Capricious loans. Suning Finance's consumption installment platform has a maximum amount of 300,000 yuan, which can be recycled, and the term can be freely selected in the period.

2. Gome Easy Card. The loan amount is between 500 and 5,000 yuan, no mortgage guarantee is required, and the loan can be made in 3 minutes at the earliest, and the term is up to 12 months.

Summary: The application threshold of each lending institution is different, and different standards may be adopted, so if you are rejected at this institution with the same application materials, you may be successful again if you go to another platform, so you can apply on several more platforms. In short, there are many platforms that can borrow money if the comprehensive score is insufficient, and you can choose freely according to your needs.

What does it mean to have an insufficient overall score?

This is the most popular credit evaluation method, mainly based on the borrower's personal information, assets, credit, institutional consumption, etc. to calculate a score, the lending institution will set a passing line in advance, if the borrower's comprehensive score is not qualified, it will be rejected on the grounds of "insufficient comprehensive score".

The factors that will be considered in the comprehensive score include housing (rent, mortgage, full payment, number of units, value), work (income, years, unit, position), credit card (bank, limit, consumption repayment, number of sheets), credit information (overdue, credit history, number of inquiries), age, marital status, city, etc., which are very complex.

Ways to address the lack of overall scoring

First, the front. If the comprehensive score is insufficient, I am afraid that it will not be easy to borrow on the formal licensed loan platform in the short term, because it will be reviewed, and the comprehensive evaluation of the system is not up to standard, and the platform will naturally not lend.

2. Specific analysis.

It is estimated that only some microfinance platforms that have not been approved by the CBRC and do not hold financial licenses still have the opportunity to borrow. Because the threshold for applying for such small loans is generally low, some even need to provide an ID number or mobile phone number, and they can directly make a payment without review. However, most of these small loans are not very formal, and it is not recommended to apply for them, and they may encounter loan sharks and fraudsters, resulting in damage to personal money.

It is better to choose a formal licensed loan platform for borrowing, which is more secure. For the case of insufficient comprehensive score, the application can be postponed, the problem of personal credit can be solved, and then borrowed after being dealt with, and the loan should be able to be smoothly obtained. For example, if you have bad credit, you should be patient and spend time to accumulate a good record, and if you have too much debt, you should repay your debts in time and reduce your debts.

Usually pay attention to personal credit, don't blindly apply for loans, otherwise Cong Yanhui will be rejected once the big data is spent, and if you want to apply for a loan again, the comprehensive score will be insufficient and the loan will be rejected. You can get a big data report in Beijian Quick Check to clearly know your status in online loan big data. The database cooperates with more than 2,000 online lending platforms, and the query data is still relatively accurate and comprehensive.

3. What happens if an online loan is sued for overdue?

The platform has the right to sue after the overdue time of the online loan is generally more than three months, but it will not sue immediately after three months. Unless it is too long overdue, the amount owed is also very high, and the platform has not responded to the reminder many times, then it may be sued.

Once sued, if the repayment is not made by the court judgment, the court may enforce it, and may even list the borrower as a dishonest person. You should also note that overdue itself will also bring serious adverse effects, and penalty interest will be charged continuously until the arrears are paid off, and personal credit will also be damaged due to overdue.