Is there any way to pay off the online loan, the best way to pay off the online loan

1. Confess to your family and seek help from your family. This is for people who have certain financial conditions in the family, if the amount owed is not large, you can seek help from your family as soon as possible, don't feel good face or dare not confess, you must know that this kind of thing can't be delayed, the more the snowball will roll more and more in the end, don't wait until the end even your parents can't afford it, then there is no way at all. After confessing, negotiate with the platform to strive to repay only the principal or obtain a reduction, basically the platform will have various policies to achieve the purpose of reduction.

2. Get a credit report on *** platforms such as clean data, sort out your debts, and figure out how much you owe. If you don't owe much and your credit is not bad, you can apply for a regular large loan for installments, pay off all the small loans, and still negotiate with the platform for reduction and exemption in the process of repayment. If you choose to do this, then you must ensure that this large loan can pay off all the small loans, otherwise you must not borrow.

In addition, you must choose this solution if you have a regular income, and your income can repay this large loan every month. Otherwise, doing so will only aggravate your debt and make you sink deeper.

3. In fact, the borrowers who want to go ashore are basically people who can't borrow money, because the platforms that can borrow have already borrowed, and they really can't borrow money, and there is no way to help repay the loan, so they are looking forward to going ashore. So is there any possibility that these people will go ashore? Yes.

This is also the fastest way, which is to force the landing. What is forced disembarkation? It's all the loans that you choose not to repay, don't care about your face at this time, and don't struggle to support yourself for fear of being exposed to your address book, think about it, with your current state, isn't it a matter of time before your address book is exploded?

It's just that the timing is different, and the result is the same. Therefore, if you choose to be forced earlier, you can go ashore earlier, or you can get out as soon as possible.

Find a way to make money or borrow money from others.

The best way to pay off your online loan is as follows:

1. Stop using loans to support loans, this practice is very undesirable, if there is such a situation, it should be stopped immediately;

2. Sort out personal debts, pay off debts with credit information and high interest rates in advance, and formulate a repayment plan;

3. Negotiate with the loan platform to negotiate the postponement of repayment or the reduction of part of the loan interest, and the general lending institution will usually agree to negotiate in order to recover the loan funds considering the actual situation of the borrower;

5. Work hard to make money, improve your personal income level, and save money at the same time.

Extended information: 1. The consequences of non-repayment of online loans.

1.High penalty interest and liquidated damages.

High penalty interest refers to the lender's failure to repay the required amount of the loan on time within the specified period, so that the corresponding overdue penalty interest is calculated. If the debtor extends the overdue period for a period of time, the prescribed interest will be higher, but no matter how high, it cannot exceed the legal scope of Chinese law. If the loan is not repaid, the lender will be required to pay the corresponding liquidated damages.

2.Credit damage.

If the loan is not repaid, it will also affect its creditworthiness. Nowadays, many banks and online loan companies have adopted a shared system. If you borrow money from a certain bank or loan company, you won't pay it back.

Then, there is a possibility that other ** loan companies or banks will know what you owe on the loan. If you want to apply for a loan later, it will be difficult or even impossible to get a loan. Because your credit has been damaged.

3.Harassed by all means.

If the loan is not repaid, it may be harassed by online lending companies. Sending text messages and calling lenders' relatives 24 hours a day is a relatively effortless act. Some ** lenders will outsource collections to specialized companies that specialize in collections.

There are various methods of collection for these professional accountants. Sometimes, the "violent collection" behavior of a collection company can also lead to the fragmentation of a family.

4.Severe cases can lead to imprisonment.

If the criminal resolutely refuses to fulfill the obligation to repay the loan and wants to become an old beggar, causing a very bad situation, the court will investigate the criminal responsibility of the criminal. Miracle in the Temple: Debts should be paid off.

If it is temporarily unable to repay, the debtor may repay it in installments with the consent of the creditor or the ruling of the people's court. Where they have the ability to repay and refuse to repay, the people's court is to compel repayment.

If it has indeed been paid off, you can ignore it and call the police to deal with it.

After the loan is paid off, there is still collection**, then it may be that these situations have occurred!

1. Unsettled accounts, this problem generally occurs in the case of hasty repayment on the day of repayment, if it is a stuck point operation, the system may not have time to update, resulting in the collection staff failing to connect, thinking that the borrower did not repay on time, so he harassed it.

Second, the platform is deliberate, some black-hearted platforms will deliberately not deduct the money in time in order to make more profits, just for the borrower's overdue penalty interest, liquidated damages, etc., in this case, you can contact customer service to solve, or manually return it before the repayment date to avoid such a situation.

3. Non-standard repayment, like some informal loan platforms, even the loan is first let the staff and the borrower dock, generally let the money transfer to the so-called customer service, salesman and other private accounts, if the other party has the selfish intention to swallow it alone, it will be very troublesome to deal with it. Therefore, it is recommended that you try to keep the proof of transfer when repaying, such as chat records, screenshots of payments, etc., or apply for products that can be deducted by software, or enter the officially designated corporate account, which will be much safer.

Do you want to go ashore? Do you want to not be collected? Do you want to get back to your normal life? Look, there is a reward for paying.

If you want to pay off your online loan in one go, here's how to do it:

1. You can try to borrow money from relatives and friends who are more closely related to you to raise funds to repay the loan, and when the online loan is paid off and the assets on hand are sufficient, then you can repay the loan to relatives and friends. It is better to negotiate the repayment time with relatives and friends, and it will not cause loan interest, which is better than online loans that are overdue again and continue to cause late fees;

2. Don't worry about borrowing a large amount of money to pay off all the online loans at once, because borrowing new money to repay the old is strictly prohibited, which is an illegal operation. And this move does not exempt the repayment pressure, and the new large loan must still be repaid;

3. If you find that part of the loan interest deduction in the online loan owed is too expensive, you can check whether it is a usury.

Legal basis] Lu Tang:

Article 674 of the Civil Code of the People's Republic of China.

The borrower shall pay the interest according to the agreed period. Where there is no agreement on the time limit for the payment of interest or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, and the loan period is less than one year, it shall be paid together with the return of the loan; If the loan period is more than one year, it shall be paid at the end of each year, and if the remaining period is less than one year, it shall be paid together with the return of the loan.

The specific ways to repay the online loan are as follows:

1. One-time repayment. One of the ways to repay an online loan is to make a lump sum payment. According to the loan contract signed by both parties, a lump sum repayment will be made after the agreed loan term expires, that is, the principal and interest of the loan will be repaid in a lump sum.

One-time repayment is a repayment method agreed in many loan contracts, and it is also a relatively operational method.

2. Repay in installments. The second method of online loan repayment is to repay the loan in installments. If you borrow an online loan, you can also choose to repay in installments, the main purpose of choosing installment repayment and respect is to reduce the pressure of repayment, the specific installment period can be agreed by both parties, and the general installment repayment is to choose to repay the principal and interest within the agreed period.

3. Pay interest on a monthly basis and repay the principal when due. The third way to repay an online loan is to pay interest on a monthly basis. That is, the two parties sign a loan contract, and the borrower pays the interest on the loan to the lending institution every month, and does not have to repay the principal every month.

Interest is spread evenly over each month based on the total interest. Then the principal is paid off in a lump sum after the term of the loan contract.

4. Equal principal.

The fourth method of repayment of online loans is equal principal. The so-called equal principal is to repay a certain amount of principal every month, in addition to the principal, you also need to repay some interest, and the amount of repayment is different every month within the agreed repayment period, and the amount is less and less. If the loan amount is not large, it is recommended to use this repayment method, so that you can pay less interest.

5. Equal principal and interest.

The fifth method of online loan repayment is equal principal and interest. The so-called equal principal and interest is to repay a certain amount of interest every month, in addition to the fixed interest, you also need to repay some principal, the repayer in the agreed repayment period of the monthly repayment amount is the same, choose this repayment method, the interest to be repaid is more.

6. Direct withholding. The sixth method of online loan repayment is direct deduction. After borrowing an online loan, the general repayment method is to bind the bank card and withhold it directly, which saves time and effort, which is convenient for both parties and can also avoid the inability to repay normally.