There are too many online loans, which platform can still lend

There are too many online loans and rejections, and users can apply for loans under **. The 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 risk control.

When the user has a long loan, it is easy to be rejected. At this time, users can go and apply for offline loans. Offline loans mainly refer to the user's credit record, and will not look at the user's online credit.

You can try to apply on other platforms, and the platforms with a relatively high loan application approval rate include: Ant Borrow.

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Extended Information:1How long does it take to recover from frequent online loan rejections?

If the rejected record is left in the credit report, the record will not be deleted until 2 years later, which means that the credit report will take 2 years to be fully restored. If the meaning of the recovery is that it does not affect the application for credit business, then it is possible to pass the review after an interval of half a year or more. At the same time, if you frequently apply for online loans within half a year, you will basically be rejected during this period, because the lending institution will not lend money to users who are very short of money, and the risk of overdue users here is very high.

2.How long does it take for the online loan rejection record to be erased?

The online loan record will not be erased and will be kept forever. There are two types of online loans: one is on credit and the other is not on credit. For online loans on credit information, all data will be uploaded to the personal credit report.

, applying once will bring a record to your credit report. For online loans that are not on credit information, the data will be uploaded to the online loan data center, and this kind of data will not be uploaded to the credit information, but will only be used when the online loan platforms review each other. When users apply for online loans too many times, they will make themselves blackmailers.

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If you are overdue on multiple online loan platforms, you may not be able to find any formal loan platforms to borrow money from for the time being.

Because the overdue situation of online loans is often reported to big data, leaving bad records in it, and some even report to the credit report.

Once it is found that there is overdue information in the big data or credit report, it will naturally be worried about the risk of lending because of the applicant's credit problems, so it will refuse to approve the loan.

It is estimated that only some small loan platforms that have not been approved by the China Banking Regulatory Commission and do not hold a financial license can borrow money, and the application threshold for such small loans is generally low, and even as long as you provide your ID card number or mobile phone number, you can directly make a payment without review, but it is not recommended to apply, because most of them are not very formal, and it is easy to encounter loan sharks and fraudsters if you are not careful, resulting in the loss of personal money.

Therefore, if you want to borrow money, it is recommended to solve the overdue problem first, pay off all the outstanding arrears, and then patiently take the time to accumulate more good records, repair damaged credit, and wait for credit to be good before borrowing.

If you are not clear about your online loan application, you can try to get a big data report on "Xiaoqi Xincha", check your detailed loan records, and then confirm that it is your own loan, at this time, you should pay off all the money you owe and then contact the customer service of the corresponding platform to let them deal with it and see if the online loan blacklist can be eliminated.

Extended information: Can I call the police for overdue door-to-door collection of online loans?

If the online loan is overdue and encounters door-to-door collection, if the borrower is violently treated during the period and the other party threatens and intimidates, the borrower can collect relevant evidence and report to the local public security department.

Of course, if there is no personal injury involved during the door-to-door collection, and the other party just conducts a normal visit and conversation, then the police are not very useful.

The borrower should negotiate with the door-to-door staff on repayment matters and find a way to repay the arrears as soon as possible.

When the arrears are all settled, everything is over, and there will be no more collections.

First, the front. If there are too many online loan points, it is estimated that there are not many places that can be borrowed in a short period of time, so you need to pay attention.

2. Specific analysis.

1. If the online loans borrowed have not yet been connected to the central bank's credit information, you can try to go to the bank or other licensed financial institutions to apply for a loan.

After all, banks and other licensed financial institutions mainly check the applicant's credit information when approving loans, which has nothing to do with big data, and the frequent application of online loans is only recorded in big data.

In this way, as long as the personal credit is good, there is an opportunity to borrow money.

2. If some of the online loans borrowed are also connected to the central bank's credit, resulting in not only big data becoming "flowers", but also credit information becoming "flowers", it is recommended to suspend the application, first keep at least three months without borrowing, and take advantage of this period to repay the loans that have been borrowed but not yet paid off (for a while, try to repay more), and wait for three months to pass, the credit information big data has been improved, the debt ratio has decreased, and then there should be no problem with re-borrowing.

If the online loan has been rejected many times, you can clearly understand the problems existing in your large number Li Changzhi in the "Xiaoqi Xincha". It is an accurate and complete big data system, which cooperates with more than 2,000 online lending platforms to provide accurate and complete data.

3. What are the consequences of owing 20,000 yuan in online loans?

If you owe 20,000 yuan in online loans, you will not have to bear the following consequences.

1. Credit will be harmed.

2. It will be collected by the platform.

3. Penalty interest will be incurred.

4. The amount of the loan will be reduced.

5. The loan amount may be frozen.

6. Affect other loan applications.

7. Occupation is affected due to damage to credit reporting.

8. Will be pulled into the blacklist.

9. Affect children's education.

10. Unable to enjoy preferential loan policies.

It can be seen that the consequences of not repaying the online loan of 20,000 yuan are more serious, and if the loan is not paid off in one day, the impact of overdue will always exist, and it will continue to have an impact on the lender.

The penalty interest for overdue loans is calculated on a daily basis, which is generally multiple of the interest of the loan for the same period, and the longer the overdue time, the more penalty interest will be generated.

Therefore, it is still necessary to find a way to pay off the overdue loan as soon as possible, of course, you can try to communicate with the lending institution to see if you can apply for some penalty interest reduction and reduce the repayment pressure as much as possible.

When applying for a loan, you should not be too blind, you need to fully consider your own financial strength, and borrow reasonably on the premise that your income can cover the loan expenses.

Summary. Dear, I'm glad to serve you, there are too many online loans that refuse to lend and can still lend to the platform: 1. Foreign money bank loansForeign money bank loans are loans that do not check credit and do not look at big data, which is more friendly to new users, and the credit line of most users will not exceed 50,000 yuan, and the term of use is 3-12 periods, and licensed financial institutions lend to banking institutions, but borrowers who are not overdue for credit can still apply.

Dear, I'm glad to serve you, there are too many noisy online loans and the platforms that can still be used to borrow are: 1. Foreign money bank loansForeign money bank loans are loans that do not check credit and do not look at big data, which is more friendly to new users, and the credit line of most users will not exceed 50,000 yuan, and the term of use is 3-12 periods, and licensed financial institutions lend to banking institutions, but borrowers who are not overdue can still apply for credit investigation. Row of spikes.

2. Extreme Wind Installment Extreme Wind Installment is also respectful of frequent online loan rejection and can also make the next payment, as long as Brother Qingmin's personal credit has no bad credit record and can provide basic information, you can apply, providing users with a loan limit of 50,000 yuan, generally the next amount is within 10,000 yuan, the use period is 3-12 periods, and the bank only needs to sign the contract to confirm that you can wait for the Xianzhi loan to arrive.

3. Zhong'an Small Loan Zhong'an Small Loan is also an online loan that can be rejected, and the requirements for borrowers' online loan big data are still relatively low, Zhong'an Small Loan mainly provides loan services for individuals and small and micro enterprises, with a limit of up to 200,000 yuan, the daily interest rate is between the pants, and the maximum use period is 12 periods.

4. Credit Fly Credit Fly is also a platform that can be applied for when online loans are frequently rejected, the threshold is not very high, the whole system automatically approves, the maximum amount is 50,000 yuan, the use cycle is 3-12 periods, and the age of 22-55 years old can apply, the personal debt ratio is not too high, and there is the ability to repay principal and interest.

5. Time installmentTime installment is a platform for credit information to be paid if the comprehensive score is insufficient, with a maximum loan amount of 50,000 yuan, the use cycle of 3-12 periods of nuclear travel, which has a credit card model and a provident fund model for everyone to choose, and the general amount of the next payment starts at 5,000 yuan, and the whole process is approved by the system, and it is also a small loan product that is easier to pass than the potato ear.

If the online loan is rejected in seconds**, you can still take out a loan, depending on the specific situation.

Because the review of loans from banks or other licensed financial institutions is mainly credit reporting, and there is no direct correlation with big data, the bad data will affect online lending, but it will not have much impact on the borrowing of banks or other licensed financial institutions.

Because when banks and lending institutions approve loans, they either check credit or big data, and once they find that there is a problem, they will naturally refuse to approve the loan.

3. Some loan platforms with very low application thresholds may only need to provide ID card number or mobile phone number, and it is estimated that it is easy to borrow money without review, but most of these loan groups are not very formal and are not recommended to apply.

4. If the online loan is rejected in seconds because of borrowing too much recently, long lending, and excessive debt, and the borrower himself has no credit problem, in fact, as long as the application is suspended, find a way to repay the debt, and solve the big data credit "flower" situation, you can naturally borrow again after reducing the debt.

In order to maintain a good credit record, we should also pay attention to our own online loan big data in a timely manner, which can be queried in the "Beijian Quick Check", and you can see our own online loan big data report, so as to maintain good credit at all times.

Extended information: Does the inability to repay online loans affect children?

If the user is listed as a judgment defaulter, when the parent is listed as a judgment defaulter, it will affect the child's inability to attend a private school.

If the online lending institution files a lawsuit with the court, and the court orders the user to repay the loan, and the user refuses to enforce it, then the court will enforce it.

If the user still has not paid off the arrears after enforcement, he may be listed as a dishonest person subject to enforcement.

If the online lending institution does not sue the user, the user will not be listed as a judgment defaulter, but the user's personal credit is not good, which will not affect the children.

The user's personal credit report is poor, mainly affecting the follow-up application for credit business, as well as affecting daily life.

In order to avoid the overdue online loan affecting the family, it is best for the user to repay the loan as soon as possible after the overdue, and if the user is unable to repay, he can apply to the online loan institution for negotiation for repayment.

Most of the online loans are small loans, and the possibility of suing users for overdue loans is very low, but users will encounter a large number of collections after the deadline, and these collections will inevitably affect their families.

If you are denied a loan by a bank because you have too many online loans, you can consider the following ways:

2.Personal Line of Credit: A personal line of credit is a loan that is based on a person's credit history.

If you have a good credit history, you can try to apply for a personal credit loan from a bank, P2P online lending platform, etc. It should be noted that the interest rate and pre-renewal fee of personal credit loans are high, so you need to carefully consider the repayment ability when applying.

3.Mortgage: If you have collateral such as a property or car, consider applying for a mortgage from a bank.

Mortgages generally have the advantages of higher loan amount and lower interest rate, but it is important to note that if you fail to repay the loan on time, you may face the risk of property being disposed of.

It is important to note that no matter what kind of loan you apply for, you need to carefully consider your repayment ability to avoid further increasing the debt pressure. At the same time, it is recommended that before applying for a loan, you should fully understand the interest rate, handling fee, repayment method and other aspects of various loan methods, and choose the most suitable loan method for you.

Black loans, however, are risky and are not recommended. Frequent refusal affects credit reporting.