I would like to ask if I can still borrow after repaying the loan in installments

Many users recently said that they can't borrow money in installments, and after submitting an application for borrowing money, they will not give a review of the next payment. If you encounter an installment that you can't borrow, you may have encountered the following situations:

1. The installment is controlled by the China Banking Regulatory Commission and is not allowed to make the next payment for the time being;

2. Installment Le will not recognize your credit conditions, and the audit will not pass;

3. The installment system is faulty and cannot borrow money;

4. The amount of installment loan is insufficient, and you need to wait for the system to have money to lend.

You can also borrow money in installments, however, some users may also encounter situations where they can't borrow money, so it is recommended that users analyze the reasons and prescribe the right medicine. In addition, remind everyone that you must repay the installment loan in time, otherwise you will be on the credit report.

It depends on whether there is still a loan amount on the borrowing page, and if there is any, we can lend it again, and if not, we can't borrow again.

1. When we use installment music, the amount we can borrow is determined by the system evaluation, manual intervention can not be done, if our loan is overdue, but we will eventually repay the loan, but in our overdue behavior of not repaying in time will still have an impact, we want to borrow money from installment music again is the system needs to re-evaluate us, but we don't worry, this assessment can generally recover to the same situation as before after a period of time, This will allow us to borrow a new amount.

2. Whether it is installment or any loan that is overdue and not repaid, penalty interest will be generated, and the penalty interest is often higher than the general interest, and our credit report will also be recorded during the overdue period. If we borrow for a long time and do not repay the number of penalty interest times, the credit will be lower and lower, and it will have an impact if we want to take out a loan to buy a house and do some things in the future.

3. If you have borrowed money through the loan platform now, before the general repayment date, the installment repayment will remind the user to repay through SMS, APP SMS, etc., and it is recommended that after applying for a loan, you must repay the loan in time without affecting your credit.

Extended Materials. 1. Installment is a subsidiary of "Shenzhen Installment Network Technology", headquartered in Shenzhen, focusing on the first installment shopping for young people. It is a pioneer of China's e-commerce installment shopping model, and has always adhered to the brand concept of "happiness is measured, happiness is watched".

2. At present, it has received investment from many top investors and well-known enterprises at home and abroad, such as JD.com, DST, Xiafeng Huaxing, Gorman China, Bertelsmann Asia Investment**, etc. However, although the installment payment is pleasant and normal, the installment fee is not low, and it is best to consider the following repayment strength of the loan, and it must not exceed the term after the loan, which will affect personal credit.

3. Article 16 The banking supervision institution shall, in accordance with the conditions and procedures prescribed by laws and administrative regulations, examine and approve the establishment, alteration, termination and business scope of banking financial institutions.

Operating Environment: Installment Version.

The inability to continue borrowing after repaying the loan in installments is mainly due to problems such as poor personal credit, low account activity, and high personal debt. If there is no limit on the loan page, users can continue to maintain a good credit history and check if there is a loan limit after a while.

As for the loan amount of installment music, it is given by the system evaluation, and manual intervention cannot be carried out. There must be a quota on the loan page of Installment Fun before users can submit a loan application. If there is no quota on the installment loan page, it means that the user can no longer borrow.

Extended information: 1. Installment is an installment loan platform established in Shenzhen in 2013 and operated online after being tested by the China Banking Regulatory Commission and authorized by the National Credit Information Center, so it is absolutely legal. Installment Le and JD.com's network operators** have established long-term strategic partners, providing different consumer loan models, which have been favored by the public, and have the basic rights and interests to defend their rights to national laws.

It is precisely because of its legitimacy that the national legal department has also issued a series of policies for the overdue situation of installment loans, and for the non-repayment of installment loans, the first is to leave bad loan records on personal credit, and secondly, there is a fundamental obligation to impose criminal penalties on malicious loan personnel.

2. Installment Le** has established cooperation with many well-known brands such as Apple, Huawei, OPPO, vivo, L'Oreal, Philips, etc., and has become the third largest Internet channel after JD.com and Tmall in sales volume of many brands. It has also introduced e-commerce platforms such as JD.com**, Xiaomi Youpin, and Koala Overseas Shopping to settle in, and exported its installment service capabilities to many high-quality external platforms such as Yang Wharf and Mafengwo. As of March 2020, the number of installment products has exceeded 2 million.

3. Installment Le pioneered the Internet small and micro consumer finance business model. At the front end of consumption, Installment has improved the user shopping experience through cooperation with JD.com; At the back-end of creditor's rights processing, Installment Le launched Orange Wealth Management in June 2014, and exclusively launched all creditor's rights in installment, forming a closed-loop ecology of "self-production and self-sale".

4. Installment has received investment from a number of top domestic and foreign investment institutions and well-known enterprises, including JD.com, DST, Xianfeng Huaxing, Jingwei China and Bertelsmann Asia Investment**.

There are several possible reasons for this:

1. If your personal information is expired or incomplete, submit the information and apply for a new attempt.

2. The customer borrows too much, and the system is worried about insufficient repayment ability.

3. Overdue behavior occurs at the time of repayment, resulting in a credit blacklist and failure to pass the review.

4. Installment is not a revolving loan, and if you lend it again, you need to re-apply and wait for review.

Extended Materials. On June 15, 2016, Installment announced that it had completed the first financing of 100 million US dollars in Series D. The financing was led by Huasheng Capital, Cobuilder Partners and a large domestic insurance institution, and the remaining investors and investment amounts will be announced after the completion of the investment, with Huaxing Capital acting as the exclusive financial advisor for this series of financing.

On March 18, 2015, it was reported that JD.com strategically invested in the campus installment shopping platform Installment Le. JD.com and installment insiders have confirmed the news, but the specific amount has not been disclosed. The two parties will hold a press conference next week, and more details of the investment will be announced at the conference.

On January 1, 2015, the event marketing column was launched and launched"The first installment shopping festival for college students in China", the order amount exceeded 1 million within 1 minute of the event being launched; After 25 minutes, the order amount exceeded 5 million; The order volume exceeded 50 million within 13 hours; Within 21 hours, it broke through the 100 million mark, creating a milestone in Internet consumer finance!

In May 2015, Installment Le joined hands with VC to establish "College Student Entrepreneurship**" to jointly support college students to start their own businesses, create more opportunities, and help young people realize their dreams by themselves.

It has established official cooperation with many well-known brands such as Apple, L'Oreal, and Philips, and has become the third largest Internet channel after JD.com and Tmall in terms of sales volume of many brands. With a wealth of high-quality products and a good installment experience, Installment Le** provides users with a new e-commerce installment consumption scenario; At the same time, it is also open to credit card holders of dozens of banks such as Industrial and Commercial Bank of China and China Merchants Bank.

First, the front. The installment is obviously repaid on time, but it can't borrow, which is likely to be caused by the following reasons.

2. Specific analysis.

1. The platform quota is tight, and the loan quota has been exhausted on the same day, so it can no longer provide loans.

In this regard, I can only try again the next day.

2. The amount available in the account is lower than the specified minimum amount (the minimum amount will be adjusted in real time according to the requirements of the cooperative financial institution).

In this regard, you can only repay the previous loan first, and then borrow again when the amount is restored and the minimum loan amount is reached.

3. The system is being maintained and upgraded, so the borrowing channel is temporarily closed, and we can only wait patiently for the system upgrade to be completed.

4. Recently, there have been too many frequent loans, resulting in long loans, many loans under the name have not been paid off, and the personal debt ratio is too high, so the system is worried about the instability of economic life and insufficient repayment ability.

5. Account security problems caused by expired authentication identity information or frequent login changes and constant modification of account information (such as changing mobile phone numbers, changing bank cards, etc.), resulting in system risk control.

If this type of online loan is overdue, it will have no impact on your personal credit status, but the online loan record will remain in the online loan big data. Search: Check your online loan history, overdue details of online loans, debts, dishonesty information, and online loan blacklists.

3. How to cancel the installment music?

You can self-cancel your installment account in the installment app, as long as you find the help center, and then choose how to cancel your account, so that users can self-cancel their installment account according to the prompts on the page.

After the installment account is cancelled, the user will no longer be able to use the installment account.

At the same time, after cancellation, it supports re-registration of installment account, and after registering the account, you need to pass the review to get the loan limit.

With the loan limit, it may not necessarily pass the loan review, and after passing the loan review, the user can finally use the loan.

Installment music. The loan can be borrowed again immediately after repayment, but the approval is still determined according to the credit status of the applicant and the borrower's previous use of installment music. If the borrower has overdue repayment before, it is difficult to apply for success.

If the user has not been overdue during the use of installment money, the approval rate of re-application will be much higher.

Extended information: 1. Introduction: Dongshi.

1. Easy Installment is dedicated to small and medium-sized enterprise owners and individuals to provide online small loan information services, based on big data analysis.

Full online review, automatic loan disbursement, and transparent interest to achieve real fast disbursement.

2. Installment is a financial service platform that provides installment consumption for young people in China, supporting online banking, Alipay and Tenpay.

Payment, ID card is accepted.

Installment, installment music ** with Apple, Huawei, OPPO, vivo, L'Oreal.

Philips and many other well-known brands have established cooperation.

Second, what happens if I can't borrow it in installments.

If there is a record of overdue repayment during the installment period, the individual's credit will be damaged after the installment, resulting in the inability to borrow again;

The comprehensive score is insufficient, and the installment loan also needs to be comprehensively scored by the user, and there are borrowing and personal debt ratios on other loan platforms.

Too high will lead to insufficient overall score;

The loan limit of installment itself is insufficient, and after the rectification of online loans, many platforms have limited the daily loan limit.

3. Product features:

1. Easy to apply: 0-1000 yuan to borrow, monthly income of 2000 yuan can apply.

2. Worry-free borrowing: no collateral, no guarantee, the amount can reach 0-100,000 yuan.

3. Fast disbursement: 1 minute submission, 10 seconds credit, as fast as 1 hour to the account.

4. Tailor-made: short-term emergency, long-term turnover, and the loan* can be divided into 24 installments.

Operating environment: Lenovo Xiaoxin.

air15 system windows10 lenovo browser version:

The repayment method after borrowing money in installments is as follows:

Installment repayment: After you place an order, you can choose any day within 10 to 30 days after the order date as the first monthly repayment date, and pay it off before that date. Like the general installment amount, if you can't pay it off all at once, you will take this way.

Arbitrary repayment: Unlike "installment repayment", "casual repayment" means that you choose any day within 7 to 60 days after the order date as the last repayment date of your installment after placing the order, and you can pay off the payment before this repayment date.

Automatic deduction: The borrower only needs to ensure that the principal and interest of the loan due in the current period are deposited into the bank account for repayment before the repayment date, and the platform will automatically deduct the loan on the repayment date.

Please note that different repayment methods have different interest and handling fees, please choose the appropriate repayment method according to your actual situation. At the same time, please pay attention to timely repayment to avoid bad behaviors such as overdue.

Repayment Method

Installment music. There are two types of repayment: installment repayment and casual repayment. The repayment date is different for both payment methods.

1.Installment also.

The borrower can choose the first monthly payment when placing an order.

The date of repayment, which can be any day within 10-30 days after the date of the order, and the day of each month thereafter is also your last payment date.

2.Feel free to return.

The borrower can select the last repayment date when placing the order, which is any day from 7 to 60 days after the order date.

If the amount of installments is large and it is difficult to pay off at one time, it is recommended to choose the repayment method of "installment repayment".

Repayment channels, Alipay, Tenpay.

For various repayment methods such as online banking, the repayer can choose the installment repayment channel according to his actual situation. The repayer only needs to log in to "Installment Payment" - My Bills to repay your bill at any time.

Late payments

If the installment is overdue, on the one hand, there will be a late fee.

On the other hand, it will affect personal credit reporting.

Recording. 1.Late fees are incurred.

If you choose "Installment Repayment" and fail to repay the loan before 24:00 p.m. on the repayment date, a late fee will be incurred, and the daily late fee will be 1% of the monthly bill amount. If you choose "Voluntary Repayment" and fail to repay before 24:00 on the repayment date, a late fee of 2 of the monthly bill amount will be incurred every day.

2.Affect personal credit reporting.

If the borrower has malicious default, it will have a negative impact on his credit history, which will directly affect the future purchase of a house and a car and all credit-related behaviors. At the same time, the installment company will also reserve the right to take judicial measures to recover the overdue amount according to the installment purchase contract.