What should I do if I am frequently rejected for online loans and need money urgently

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 loan request may be rejected to avoid the risk of borrowing.

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. Banks mainly evaluate the user's repayment ability based on the flow records 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 considering repayment comprehensively.

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.

Legal analysis: 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, and users can try to apply for bank loans if they have bad online credit.

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.

Private lenders and borrowers may occur between natural persons, between natural persons and legal persons or other organizations, or between legal persons, other organizations, and between them. Where a legal person or other organization raises funds from employees in the form of loans within the unit for the production and operation of the unit, the private lending contract shall be valid as long as there are no circumstances provided for in Article 52 of the Contract Law of the People's Republic of China and Article 14 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.

Credit reporting is an activity in which a professional and independent third-party institution establishes a credit file for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to the outside world in accordance with the law, which provides a platform for professional credit institutions to share credit information.

Legal basis: "Security Law of the People's Republic of China" Article 53 If the mortgagee has not been repaid upon the expiration of the debt performance period, it may agree with the mortgagor to discount the mortgage or to be compensated with the price obtained from the auction or sale of the mortgage; If the agreement fails, the mortgagee may file a lawsuit with the people's court.

At present, the most basic and clear laws and regulations on online lending are the "Opinions on Promoting the Healthy Development of Internet Finance", and the regulatory regulations issued by various provinces are basically formulated in accordance with the Opinions. Online lending does need to be developed under the supervision of the law, and the wild growth of online lending is not beneficial to the economy, nor is it beneficial to the development of some young people today.

If you have experienced multiple rejections in frequent online loan applications, there are a few options to consider when you need money urgently:

1. Revoke credit card cash installment: If you have a credit card, you can consider using the available credit card limit for cash installment to solve short-term funding needs. However, it should be noted that this method requires a certain fee and interest, and the repayment needs to be made on time to avoid additional fees for overdue.

2. Explore offline microfinance institutions: Some banks, consumer finance companies or other financial institutions provide microfinance services, you can go to the relevant institutions to learn about loan conditions and interest rates and other information to see if they meet your capital needs.

3. Borrow money from relatives and friends: If you have trusted relatives or friends, consider borrowing from them. However, it is necessary to pay attention to the risks of borrowing, agree on the repayment method and interest in a timely manner, and maintain a good communication and trust relationship.

4. Look for other financing channels: In addition to online loans, there are other financing channels to consider, such as high-quality P2P platforms, bank loans, guaranteed loans, etc. However, when choosing other channels, it is necessary to pay attention to the relevant risks and interest rate issues, and choose channels with good reputation, stability and legitimacy.

If you've been denied an online loan multiple times, consider checking your personal credit report to understand your big data issues. An accurate and complete big data system is Kingfisher Data, which works with more than 2,000 online lending platforms to provide accurate and complete data. You can get information about your credit score, overdue history, debt status, and more in the system, so you can better understand your credit status and existing problems.

If you have applied for a lot of online loans and have been rejected, it is recommended not to apply for a loan in a short period of time for the time being, because this situation may be because Xiaoqi Xincha's credit score is not up to standard, such as credit problems, or not meeting the age, etc. At this time, when applying for an online loan, most of them will be rejected, and if you always apply, there are too many records of big data, and online loans are more difficult to process. You can wait for a while, and then try to choose the right product to apply, pay attention to choose according to your own situation, so as not to be rejected because the conditions are too strict to meet the loan requirements.

If the credit is not very good, you can use this time to improve your credit, and then the loan can go more smoothly. Of course, you can also try to change the channel, such as going to the bank to apply for a loan, maybe the customer has a deposit or business transaction in the bank, and it is likely to pass.

You can borrow money from relatives and friends.

Applying for dozens of online loans shows that borrowers apply for online loans very frequently, even if they are rejected and do not borrow money, it does not mean that there is no impact. In particular, the borrowed online loans are on the credit report, and the credit investigation is checked when applying, and there will be dozens of loan approval records in the query record.

In this case, if you want to borrow money through a loan, you are very likely to be rejected. Many formal lending institutions check the credit and see that there are so many hard inquiry records, plus whether there is a corresponding lending record in the credit record, indicating that the borrower has not passed the online loan, and will associate with the reasons for the borrower's failure, such as the ability to repay the loan, the high risk of borrowing, etc., and they will not easily approve the loan.

Unless the borrower borrows money from some lending institution that does not check the credit information, it is possible to approve it. However, this kind of lending institution is very risky, and it is easy to encounter routine loans, usury, etc., which will cause great economic losses to the borrower, and the consequences are unimaginable, so it is recommended not to borrow easily.

It is recommended that borrowers still obtain funds through other methods, such as borrowing money from relatives and friends, and mortgaging the assets under their names to realize, but if they can't do it, they will wait for the credit conditions to improve and then go to some low-threshold platforms to borrow money, such as 360 IOUs, Jingdong gold bars, borrowing, and Du Xiaoman.

Frequent online loans are rejected and you need money urgently, you can apply for a loan from the following lending platforms:

1. Rich Money: Rich Spend is a credit service product under it, which has a good reputation and a relatively fast lending speed. It can meet the daily borrowing needs, and it is very convenient to borrow if you want.

The maximum amount is 200,000 yuan, and the average daily interest of 10,000 yuan for 1 year is started. The better the credit, the lower the interest rate.

2. Borrowing: Borrowing: Borrowing is a pure credit loan product launched in Alipay's Alipay, which is issued according to the consumption situation and repayment ability of Alipay users, and ordinary users have the opportunity to apply for opening only when the sesame score reaches 600 points or more, according to the sesame score, the loan amount is 10-300,000, the minimum daily interest, the loan term is 12 periods, and it supports borrowing and repaying at any time, and it has always been a conscientious loan platform.

3. Huanbei: Shanghai Shuhe Information Technology was established in 2015 and launched Huanbei products in 2016. The major shareholder is Focus Media, a listed company (****:

4. WeLoan: WeBank's first Internet bank under Tencent, whose products include micro-loans, micro-car loans, etc., and is committed to providing fast financial services for small enterprises and individual consumer groups.

5. Paipai Loan: Founded in 2007, Paipai is a P2P financial platform listed on the New York ** Stock Exchange. Paipai loan products are mainly divided into loose and rainbow labels.

At present, it provides users with a credit loan with a maximum loan amount of 200,000 yuan, and a monthly loan interest rate of about 1%. Users can choose the right loan product according to their needs.

Hello, there are many platforms that can provide small loans, and the amount is basically between 5 million and 300,000 yuan, which can be applied for through banks, online loans, etc. Although the amount of small loans is lower than other loans, they are very popular because they are fast and flexible in borrowing and repayment. As long as you choose a regular platform, the security of funds and information is guaranteed, and you can use it with confidence.

There are online loans that are overdue, and there are also those platforms that can take out loans.

There are two other places where you can try your luck in this situation, the guarantee company and the mortgage company ask all the online loans that can't be loaned, and where can you get a loan.

It's not a last resort, don't touch it, if you break the contract, your whole family will be restless.

Ask which two.

Local guarantor companies and mortgage companies.

The annual interest rate is about 20%.

If you are not cornered, it is not recommended to touch, you also know the consequences.

These are loan sharks.

Ask if you can get a loan online.

You're completely blacklisted.

The credit report has been completely broken.

Hello, have more questions?

Question: Is there an online loan platform that is?

The landlord is doing it in **, and I am in a hurry to use 20,000 yuan for recommendation.