If the online loan is not available for bank credit, what will be the impact if not?

Once the online loan is not repaid after the credit investigation is overdue, it will first face high penalty interest and liquidated damages.

In addition, it is also necessary to face the fancy collection of the platform, especially after the platform hands over the collection to a third party, the collection methods to be faced are very bad, such as exploding the address book, SMS**, malicious P map, etc.

Although online loans are not creditworthy, bad records will remain in the big data of online loans. Many platforms will use online loan big data as a reference basis when reviewing, and if there are stains on online loan big data, such as overdue or frequent loan application records, then the loan application will be easily rejected.

You can get the online loan big data report from the platform "Raindance Quick Check", which contains information such as online loan history, online loan overdue details, debts, untrustworthy information, and online loan blacklist.

If you find that the big data of online loans has been hacked, it means that there is a bad record of overdue or frequent loan application recently. If you want to restore big data to normal, it is recommended not to apply for any loans for half a year. "

Although they are not on the credit report, as long as their interest does not exceed 36% per annum, then they are legitimate, and if you don't pay it back, they can sue you.

You can search on WeChat: early knowledge data, get your online loan big data, which contains your online loan details and overdue records, and Internet black index scores, so that you can understand your credit status. If it is overdue, it will be difficult to borrow an online loan.

1. If the online loan is not on the credit report, don't take it seriously. Because online loans that are not on credit will be recorded in online loan big data. If the online loan is not repaid, it will not only face high overdue fees, but also face fancy collection by the platform.

In addition, the big data of online loans will deteriorate due to bad overdue records, and after a long time, they will become black accounts of online loans.

2. Once the big data of online loans is tainted, if you want to apply for online loans again in the future, it is very likely to be rejected. You can make a credit query from Liyou data***, which contains the overdue details of online loans, including the number of overdue days, overdue amount, overdue platform, etc., and you can also know information such as blacklists. If you don't repay it within the time limit, the amount involved is relatively large, and the platform may directly sue the debtor, so it is better to repay the loan on time regardless of whether the online loan is not on the credit report.

The consequences of not repaying the online loan without credit investigation are as follows:

1. There will be high interest and penalty interest, and generally the interest rate of online loans that are not on credit will be relatively high, so if you don't repay it all the time, the interest will be very high.

2. You will be subject to the online loan platform's **, text messages, etc., and if the amount owed is relatively large, you may also be sued.

3. Although it is not on the credit report, it will also have an impact on personal credit, and now a lot of Internet credit information is also shared, which will be pulled into the blacklist, which will have an impact on future loan applications.

1. When collected, there will be no shortage of violent collection methods, such as exploding the address book and door-to-door collection, which will seriously affect the normal life of the borrower and his relatives and friends;

2. Overdue penalty interest: Online loans that are not on credit generally have a higher overdue penalty interest, which will cause serious repayment pressure on individuals.

3. Sued by an online lending platform.

4. Those who borrow online loans for the purpose of fraud will be investigated for criminal responsibility.

1. What should I pay attention to when borrowing an online loan?

1. You do not need to pay a deposit to borrow an online loan.

Formal online lending institutions have a strict loan approval process, even if the lender is not required to provide collateral, it is also necessary to review the lender's credit history, income, work or business status and other information, and there are strict restrictions on the loan amount and loan term. Formal lenders do not charge any fees before lending, but repay the loan on time after entering the loan cycle.

2. Choose a formal lending institution.

Online loans are especially Sakurano's so. Although it is called a small amount, it is also a loan, and all loans, whether they are bank loans or private loans, require the borrower to have the ability to repay.

3. Reasonable choice of loan amount and term.

The size of the loan amount depends on the financial needs of the individual. Under this premise, it is necessary to consider one's financial repayment ability to avoid excessive repayment amount and excessive pressure in each installment.

4. Be sure to repay the loan on time.

Overdue online loans can have very serious consequences for individuals.

II. Under what circumstances will a person who deliberately fails to repay an online loan be listed as a judgment defaulter?

1) Refusal to perform obligations set forth in effective legal documents despite having the ability to perform;

2) Obstructing or resisting enforcement by means such as fabricating evidence, violence, or threats;

3) Evading enforcement by means such as sham litigation or arbitration, or concealment or transfer of assets;

4) Violating the property reporting system;

5) Violating an order restricting spending;

6) Refusal to perform on the enforcement of a settlement agreement without a legitimate reason.

As we all know, online loan platforms are generally divided into two types, one is a platform that cooperates with the credit information center of the central bank, Tonghuai will be credit, and the other is a platform that uses sesame credit or other credit scores, and will not be on the credit report. What are the consequences of informal online loans? It's basically all three!

What are the consequences of informal online loans?

1. Being maliciously collected.

After the loan is overdue, the borrower will inevitably be violently collected by the online loan platform. In order to ensure that the generation of bad debts is reduced, the collectors will generally continuously harass the borrower**, and even hit the work unit. Many borrowers are trained by collectors and lose their jobs.

In addition to this, the borrower's address book friends are not immune.

2. Personal reputation is damaged.

After the loan is overdue, the collector will call the borrower's address book friend to inform him of the fact of the arrears, and even add fuel to the description. In such a situation, the borrower's personal reputation will basically be damaged. If the sun is in the same city, a notice may be posted at the entrance of the community or the company.

The integrity of employees is very important to the company.