What should we do if our online loan is rejected?

The reason why online lending has grown rapidly in just a few years is that it covers the personal financing needs of small and micro enterprises or credit gaps that banks cannot solve, and at the same time, it also brings relatively high interest returns to investors. In recent years, the regulatory authorities have continuously issued relevant laws and regulations to regulate and guide the online lending industry, which also shows that the existence of the online lending industry has been recognized by the regulatory authorities. Compared with bank loans with extremely high thresholds, the application threshold for online loans is indeed much simpler, but some users will be rejected for various reasons.

Let's see why

01: The information filled in is not true.

Everyone who has experience with online lending should know that the more truthful and detailed the information filled in by the borrower, the higher the probability of the final loan success. Identity documents, work addresses, and mobile phone numbers should be consistent with the actual situation, and information should not be deliberately exaggerated or tampered with. If false information is provided in the first place, rejection is a matter of course.

02: Short-term loan applications are too frequent.

The number of online loan applications is also an important indicator. Even if you apply for a microloan product that does not accept credit information, it will leave a dense record in the big data of online loans. If the number of applications is too high, online lenders will question your ability to repay.

If you are not extremely short of money, how can you apply for so many online loans frequently? Friends who still have questions about their online loan data can click [Query Now] to get their own online loan big data credit report, connotation online loan data, cyber black index score, hit risk warning, court prosecution information, arbitration case information, untrustworthy information and other data in the first time.

03: The mobile phone number is dragging and dropping.

A few days ago, Bian Xiao also told everyone that mobile phone numbers are also the key to the success of loan applications. Now mobile phone numbers require real-name authentication, and the use time should be no less than six months. After receiving the borrower's application, the online lending platform will also exclude the contact name from the address book for suspicious items, such as "loan", "intermediary", "cash-out", "gambling" and other bad words.

As soon as such information is discovered, then there is no suspense about the "second refusal".

04: Personal credit is tarnished.

It is common for people to be denied credit stains because they don't usually pay attention to the accumulation of credit, but when they need to take out a loan, they are affected. However, Bian Xiao reminded that in addition to housing loans, the credit requirements for applying for personal loans are not "a grain of sand in the eyes", and you can still apply for a loan if it is overdue for 90 days in the short term, or overdue once or twice and the arrears have been settled.

Also, I would say that no platform has a 100% pass rate. So, even if you are rejected, you don't have to cry and scold your mother. You think people will cheat information.

If you are frequently rejected by the lender in a short period of time, you need to find out the real reason for the rejection, and then optimize the individual's qualifications in a more targeted manner, control the frequency of loan applications, and submit applications no more than three times a week. It's better to apply for one first - give the results - summarize the experience - and then apply for the next one.

First of all, look at the reason for the rejection, if it is because of credit problems, consider where your credit has been damaged, and actively correct it. If it is not your own problem and you are in urgent need of money, you can consider changing platforms or borrowing from relatives, but you should be aware that online loans are risky.

Online loans are not too safe, so it is recommended to give up. If you really need money to solve a problem, you can ask friends and family to help.

What should I do, I should feel lucky, if I want to take out a loan, I can go to a regular bank to consult, online loans are risky, often tear down the east wall to make up the west wall, and the consequences are out of control.

Then don't take out an online loan, being rejected means that your credit is problematic and you need to pay off the money you borrowed before.

Also ask what the reason, don't ask, don't go for a loan. Online loans will not give you a lot of credit, what do you do to lack these thousands of small tens of thousands. If you urgently need to find someone to borrow it, if you can't borrow it, it means that you can't be a person, and you have to reflect. Don't take this money if you need it urgently, don't you earn it yourself and spend it yourself.

There are too many online loans and rejections, and users can apply for loans under **. The number of empty data of online loans is generally recorded in big data, and the user's application records, repayment records, overdue records, etc. will be recorded. Online lending institutions will use big data as a means of risk control, and when users have multiple loans, it is easy to be rejected.

At this time, users can apply for offline loans. Offline loans mainly refer to the user's credit record and will not look at the user's online credit.

Of course, if the online loan is on the credit of the People's Bank of China, it will also have an impact on the offline loan.