What should I do if I can t get an online loan and need money urgently?

1. Credit card cash advance.

Basically, as long as the credit card status is normal, there is no stop payment, freezing, and no bank deactivating the cash withdrawal function, you can withdraw cash directly at the ATM machine when there is a cash withdrawal limit, but you should pay attention to the single-day cash withdrawal limit.

2. Credit card cash installment.

It is also borrowed through a credit card, but the amount is higher than the cash advance, you can borrow money with 100% of the limit, and the repayment cycle is also long, many banks can provide a 24-month installment period, and you can handle it interest-free, and you only need to pay a little handling fee every month.

3. Private small loans.

There are many private microfinance companies that can also provide loan services, and the requirements for applicants are not as high as those of banks, but the interest rate is relatively high, and the key is to find a formal private structure.

Extended Materials. Since the introduction of the foreign online lending platform model into China in 2007, the domestic P2P online lending platform has flourished and blossomed, rapidly forming a certain scale. Looking at its development history in China, from 2007 to 2014, it has gone through about four stages, and the growth data of the number of platforms, monthly transaction amount and number of investors can be referred to as follows:

History. In 2007, China's first P2P online lending platform was established in Shanghai, which introduced many investors who dared to try Internet investment to understand the P2P online lending model, and then some investors with entrepreneurial and adventurous spirit tried to open a P2P online lending platform.

At this stage, the country's online lending platforms have developed to about 20, and there are less than 10 active platforms, with a monthly turnover of about 500 million yuan and about 10,000 effective investors by the end of 2011.

In the initial development period of the online lending platform, the vast majority of entrepreneurs are Internet entrepreneurs, with no experience in private lending and related financial manipulation, so they mainly borrow by credit, as long as the borrower provides personal information on the platform, the platform will give a certain credit line after review, and the borrower will publish the loan target on the platform based on the credit line.

However, due to the imperfection of China's citizen credit system and the lack of contact and communication between the platform, there was a problem of a borrower making credit loans on multiple online borrowing platforms at the same time, the most famous being a borrower named Tank in Tianjin, who borrowed a total of more than 5 million on multiple platforms, and the loan eventually became a bad debt of various platforms due to overdue.

Due to the repeated occurrence of the above problems, various online lending platforms began to shrink the credit line of borrowers at the end of 2011, and many platform borrowers were unable to repay the loan in time, resulting in concentrated defaults of borrowers. From November 2011 to February 2012, the online lending platform dominated by credit borrowing encountered the first wave of default risk, at this time, the maximum overdue amount of the online lending platform reached 25 million, and the overdue amount of many online lending platforms exceeded more than 10 million, and these old platforms still have more than 10 million bad debts that cannot be recovered.

1.You can try to change channels and apply for a loan from a bank or other consumer financial institution.

2.If the online loan is rejected and the customer needs money urgently, the customer can try another online loan product, and the online loan may be able to successfully borrow money. Of course, if you apply for several online loans and are rejected, it may be that the bad behavior of the individual is recorded in the big data.

As a result, it is more difficult to successfully apply for an online loan, after all, information is interoperable between many platforms. And for this case, you can try to go to the bank to apply for a loan. Because banks generally measure the credit status of customers by reviewing their credit reports, rather than evaluating them through big data.

Therefore, as long as the customer meets the loan conditions proposed by the bank and has good personal credit, he will have the opportunity to apply for a bank loan. Of course, compared with online loans, bank loans will have stricter conditions, and it is not so easy to apply.

3.In fact, the important thing is personal credit, maintaining a good credit will bring a lot of help to customers to apply for loans and credit cards. On the contrary, if the personal credit is not good, it will cause a lot of obstacles.

If you can't borrow money on various platforms not because of bad records in big data, but because you have too many debts, then customers can actually borrow as much as they need to find a way to pay off their debts (if they can't pay off for a while, you can repay as much as possible), and then borrow on the platform after reducing their personal debt ratio.

Extended Materials. The main points that need to be paid attention to in online loans are as follows:

1.Whether the lending platform has been approved by the CBRC and whether it holds a financial license. If it is a small loan platform without a financial license, it is generally informal, and customers had better avoid it to avoid encountering loan fraudsters and falling into loans**.

2.If the loan interest rate is too high, be careful of usury (the Supreme People's Court stipulates that the maximum annualized interest rate of online loans shall not exceed 4 times of the floating interest rate LPR).

3.Whether the platform requires the customer to pay the money in the name of guarantee money, unfreezing money, etc. before the loan is received. It is important to know that all formal licensed consumer financial institutions generally do not charge any upfront fees before disbursing loans.

Frequently apply for online loans and are rejected, but users are in urgent need of money, so they can try to apply for bank loans or private loans.

Online loans generally refer to online credit and the People's Bank of China.

If the user has bad online credit, then he can try to apply for a bank loan. However, there are problems with online credit investigation and credit investigation of the People's Bank of China, and users can only apply for private loans.

At present, the upper limit of the interest rate of judicial protection has been agreed on for private lending, so when applying for private lending, users should mainly pay attention to whether the loan interest rate is legal.

Extended information: 1. P2P online lending refers to direct lending between individuals and individuals through Internet platforms. Individuals include natural persons, legal persons and other organizations.

operate, and provide services cheaper than traditional financial institutions.

2. Since P2P online lending is still an emerging industry in China, the state has not yet supervised it. There is no doubt that the P2P online loan business is helpful to solve the capital problems of small and medium-sized enterprises, as a kind of private lending, although the loan cost is higher, but the fast arrival time of funds, the loan threshold is lower than that of banks are the reasons for enterprise choice, especially to solve the short-term temporary capital turnover is of great significance.

3. Online loans belong to bond investment, the income is clear, and the lender of the funds obtains interest income; The public often confuses it with equity crowdfunding, which is an equity investment with flexible returns, and investors can obtain future income by investing in the company, such as Jingbei Crowdfunding and 36Kr.

and so on belong to equity crowdfunding platforms.

Whether it is bond investment or equity investment, there are certain risks, investors should fully understand the risks, have sufficient awareness and mental preparation to bear the risks, and judge and bear the risks of the project on their own under this premise.

Since June, P2P online lending platforms have experienced frequent risks, seriously infringing on the legitimate rights and interests of the masses and disrupting the order of the market economy. Public security.

We attach great importance to this and immediately deploy public security organs in various localities.

Under the unified leadership of the Party Committee and the People's Republic of China, we will closely cooperate with the relevant regulatory departments to carry out investigations and cases in accordance with the law, go all out to recover stolen goods and fugitives, and make every effort to safeguard the legitimate rights and interests of the masses and the order of the market economy. The public security organs have prosecuted more than 380 cases suspected of illegal fundraising in accordance with the law.

According to incomplete statistics, the value of the assets involved in the case was sealed, seized and frozen at about 10 billion yuan.

1.In this case, if there is no problem with the credit investigation, the first thing to consider is a bank loan. Users can try to apply for a bank loan. Online loans are mainly based on online credit reporting, and bank loans are mainly based on credit reporting of the People's Bank of China.

If the user's previous online loan is not checked or the credit is not checked, then all the previous loans are rejected, and the user's application for bank loan will not be affected. To apply for a bank loan, in addition to the user's credit reporting overdue record, you also need to have a stable job and income, and have a strong repayment ability.

2.If there is a problem with the credit report, you can only consider relatives and friends.

Extended Information: Common Reasons for Online Loan Rejection:

1.Have a bad credit record on other platforms; Bad personal credit is an important reason for the rejection of online loans. Nowadays, many platforms have large databases, and generally shared institutions will make inquiries when approving loans.

If it is found that the user has a bad credit record on other loan platforms, such as overdue repayment, etc., the user may reject the loan request to avoid the loan risk.

2.insufficient bank flows; If you apply for a loan at a bank, the bank's statement is a very important reference factor when applying for a loan. The bank mainly evaluates the user's repayment ability based on the flow record to determine whether there is a stable income.

If the user has no bank statement or has a small bank statement, it will cause the refinancing failure.

3.its own debt ratio is too high; If you don't repay the last loan amount, if you borrow again, your debt ratio will continue to increase, resulting in more repayment pressure on users. In this way, the bank will not be willing to lend when the bank is considering the repayment of the loan.

4.The applicant's information is incorrect; Many loan applicants fill in the wrong information or fill in the information at will when applying for online loans, so the platform will strictly review the loan application materials submitted by individuals. Once it is found that the borrower's own situation does not match the information filled in, the loan will be rejected directly.

5.Basic personal information; Although online loans are online loans, there are rigid requirements for the applicant's conditions. Minors will definitely not be able to get a loan, and users who do not have a certain ability to repay will not be able to apply for a loan.

Therefore, before submitting a loan application, it is best to understand the conditions of the loan and confirm that the conditions are met before submitting the application. The success rate will be higher!

Although it is relatively easy to apply for an online loan, if the above situation occurs, rejection is inevitable. Therefore, you need to sort out your actual situation and prepare the corresponding application materials. Don't borrow money indiscriminately, regardless of it.

That will only make your big data situation more colorful, and it will also have a certain impact on your personal credit, so you must be cautious.

If you have a lot of friends around, this method can be a kind of emergency measure. 2.Pawn mortgage.

Pawn mortgage is an ancient method of financing, and it is still very reliable when you need it urgently. You can use the non-fixed assets in your name as collateral, such as cars, jewelry, antiques, etc., to obtain some working capital.

If you can't pass, it's a regular platform, and if you do, it's a deceptive platform. It won't affect you either. Being cheated is the biggest problem.

If the online loan platform can't borrow money, you can find some private lending institutions, or some small loan companies that are not very strict in reviewing to apply for loans.

However, if you apply for a loan through these channels, the loan interest rate will be a little higher, and you may also encounter routine loans.

Under normal circumstances, as long as the qualifications are normal, the online loan platform will not refuse the loan application, and the inability to borrow money on the online loan platform may be due to the following reasons, in addition to the stain on their own credit.

1. The debt ratio is high.

2. The income does not meet the requirements.

3. Insufficient proof of assets.

4. The identity information is not perfect.

5. There is no valid mobile phone number bound.

6. There is no valid bank card binding.

7. Apply for more loans.

Therefore, you can take the initiative to contact the customer service of the platform to see if the problem is in the **, and there are some problems that can be actively solved, so after solving the problem, you can try to borrow money on the online loan platform again and see the results of the review.

Of course, after successfully applying for an online loan, you must remember to repay the loan according to the agreement, once it is overdue, it will cause harm to personal credit reporting, and at the same time, it will also be charged penalty interest by the loan platform, which will increase the debt pressure.

The user's recent application for an online loan, the repayment on time, and the suspicion of whether the identity information has been borrowed online can be clearly reflected through the big data of online loans. All you need to do is use a credit inquiry tool, such as "Xiaoqi Xincha", to get a detailed risk report.

Extended information: What platform can you borrow with more credit for online loans?

If you have a lot of online loans and a more "spent" credit report, it is estimated that it will not be possible to borrow again in a short period of time, and any formal loan platform you go to may be rejected.

I'm afraid that only some small loan platforms with low application thresholds and can borrow money without approval as long as they provide personal information.

However, most of these small loans have not been approved by the China Banking Regulatory Commission and do not hold a financial license, so they are not very formal, and it is not recommended to apply, and it is easy to encounter usury and fraudsters if you are not careful.

In fact, as long as the application is suspended, do not apply for a new loan for at least three months, and take advantage of this period to repay the debts in your name, and wait for three months to pass, the credit situation has improved, and the personal debt ratio has also decreased before borrowing, the probability of approval will be higher.

At that time, no matter which formal loan platform you go to, as long as the system has good credit and the ability to repay on time, the loan will naturally be approved.

To maintain a good credit rating, it is also possible to apply for a loan directly from a bank or other licensed financial institution.