The overall score is insufficient, and the debt is high, where can I borrow money

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.

Online loan users can also check their credit qualifications by docking with third-party big data risk control platforms, such as Xiaoqi Xincha, Sesame Credit, etc., the former has established data cooperation with more than 98% of online lending institutions on the market, so its query results are very accurate. Intuitively, you can not only understand your own big data and credit situation, but also obtain various indicator data. The blacklist data of online loans is shared on most loan platforms, which means that if the borrower is overdue or owes money on one platform, such a bad record will also be disclosed on other loan platforms, so you must carefully maintain your online loan credit, otherwise when you encounter an economic crisis again, you will not be able to obtain online loan products with good personal credit.

3. Will I be sued for repayment if my online loan is 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. It should also be noted that overdue itself will also have serious adverse effects, and penalty interest will be charged until the arrears are paid off, and personal credit will also be damaged due to overdue.

If the comprehensive score is insufficient, you can go to the following platforms to borrow:1. Easy to borrow quick loan, easy to borrow quick loan has a high initial application approval rate, the loan amount is generally between 3,000-50,000 yuan, and the loan term is 1-12 months.

2. Rong Yihua, Rong Yihua is a product with more money in the near future, do not look at the credit when applying, the amount is within 10,000 yuan, the loan period is 1 month, the borrowing speed is relatively fast, and the next payment is made after passing.

3. Enjoy the loan, enjoy the loan as long as the user has no overdue record can apply, the loan amount is 200,000, the official daily interest rate is in, according to the user's credit and other conditions to evaluate the amount and interest rate, you can repay in 3-36 installments, and the repayment pressure is small.

You can still go to the bank for a loan. High debt does not mean that the loan will be rejected, and in the actual review process, the lender will comprehensively consider the borrower's assets, liabilities, cash flow, industry prospects, personal and household expenses and other factors before reaching a conclusion. If your debts are too high, you can also consider finding some friends with more assets and less debts as guarantees.

Extended Information: 1. How can I get a loan if I am too indebted?

1. Banks can choose lending institutions, such as normal bank loans, which require the borrower's debt not to exceed 50%, but the requirements of some small loan institutions are relatively low, and some small loan institutions can do it within 70% of the debt ratio.

2. If the borrower has a high debt, but the credit is good, and there is no overdue, you can try to apply for a credit card, or apply to the bank to increase the credit card limit.

3. Personal credit to make up for some borrowers are very puzzled when they see that other people's debts are obviously very high, but they have passed the approval. In fact, when a lending institution reviews a customer, it should not only look at the customer's liabilities and assets, but also one thing that is also very important, that is, the individual's credit history. If a person has a good credit history (not a black account, not a novice, not an overdue customer), then even if the debt is relatively high, the lending institution will approve the customer based on the customer's good repayment record.

In this era of wisdom and wisdom, everyone may have a different understanding of the words "excessive debt", and the policies of banks are also formulated by the staff, so the market is manifested in different banks that different banks have different regulations on income-liability ratios. For example, aggressive banks stipulate that as long as the total debt does not exceed 50% of the person's monthly income, there is room to borrow, while conservative banks believe that more than 30% is basically a sign of poor repayment ability, so they will decline your loan application.

Summary. Hello, I am glad to answer for you, the comprehensive score is insufficient, and users can try to apply for other online loans. 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.

The overall score is insufficient, and you can borrow money.

Hello, I am happy to answer for you, the overall score is insufficient, users can try to apply for other slippery online loans. 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 the user applies for a loan, if the comprehensive score is insufficient, then he can try to apply for other loans, and other loans have a certain chance of passing the review.

The comprehensive credit score is the internal audit standard formulated by banks and lending financial institutions in order to control risks, which generally includes the borrower's age, work situation, local residence time, income level, education information, asset information, number of online loans, debts, credit information, big data and other aspects to set up a grade score.

1. Capricious loans. Suning Finance's consumer installment platform has a maximum difference of 300,000 yuan, which can be recycled, and the term can be freely selected in the period. 2. Gome virtual Wang Jianyi 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. 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.

How to apply for opening a micro loan: 1. Open it to see if there is a "micro loan to borrow money". If your wallet page is as shown above, you can apply for opening it if you have "Micro Loan Loan Macro Code Pick", if not, unfortunately you can only wait patiently.

Because WeLoan is currently only open to some users, the judgment criterion is the user's personal credit, and it is impossible to actively apply for permissions. 2. Click on "Weparticle Loan Loan" and there is a line of blue small words on the top of the viewing limit: "People's Bank of China Credit Inquiry Authorization and Loan Related Agreement", click to view the agreement, and then click "Agree" to view the available loan amount. 3. Click "Borrow Money" to complete the above steps, click "Borrow Money" to apply for a loan.

Interest is calculated on borrowed money, and the daily interest rate is. It should be noted that the minimum borrowing amount is 500 yuan, the maximum amount is 200,000 yuan, and you need to choose the number of repayment periods, the minimum is 5 months, the maximum is 20 months, but you can also repay in advance, no default fee will be charged, and if the interest on early repayment is calculated until the day of paying off the arrears.

WeLoan is an Internet microfinance product launched by Tencent WeBank. At present, WeLoan adopts the official invitation system, and the invited users can see the entrance of WeLoan in the [QQ Wallet] of QQ on their mobile phones and in the [WeChat Pay] of WeChat.

If you get the prompt "Failed the comprehensive assessment" when you get the quota or apply for a loan in WeLoan, it means that you have not met WeBank's review criteria and are temporarily unable to obtain the quota or borrow.

In this case, it is recommended that you repay the Chenzhou money on time, maintain a good personal credit history, and protect information and personal privacy.

If you have an urgent need for money, it is recommended that you choose a big brand, in addition to Tencent Micro Loan, you can also consider Alipay borrowing, Du Xiaoman Finance has money to spend. 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 small and micro production and distribution, and Du Xiaoman Finance is the primary choice for most small and micro owners when they have capital turnover. 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.

I don't have a micro loan, can I borrow?

When reviewing the user, the comprehensive credit qualification status of the user needs to be reviewed, so the user cannot apply for this type of loan if the comprehensive score is insufficient, but the user can apply for other loans, such as mortgage loans, guaranteed loans, etc. Mortgage loans and secured loans can be collateral and guarantors, for financial institutions, the risk of appropriation is reduced, then users have a certain chance of borrowing money.

As for users who want to apply for online loans, they should first improve their comprehensive credit score, and the specific approach is to return the overdue arrears, reduce the debt ratio, and increase the ability to repay.