Can t repay the online loan? What if you have money and can t get in?

1. Explain the situation to the contact person in your address book before the deadline, and be mentally prepared to be collected, otherwise you will be at a loss and resentful when you receive **. So, instead of letting the collector say it, it's better to confess it yourself, and of course you can also say that you leaked your information. In short, be sure to inform them in advance, so that they can insist that they don't know themselves when they receive **, which may reduce the harassment they receive to a certain extent.

2. If you don't owe much, confess it to your family. Don't feel embarrassed to save face, you must know that the later you confess, the greater the impact, and you may have to pay back an extra day if you delay it for a day. So confess to your family and try to get their understanding.

Although they may beat you and scold you, I believe that they will face and bear it with you in the end.

3. Obtain a credit report on public platforms such as clean data, check your overdue records, and classify your online loans, formal and informal, those on credit and those on non-credit information. If you want to repay the money but the funds are not enough, then negotiate with the online loan platform and give priority to the repayment of the formal credit report to minimize the impact on yourself.

4. If you feel that your family can't help you, and you don't want your family to help you repay the money, then there is only one last way to go, and that is to force you to go ashore. Forced ashore does not mean that all online loans will not be repaid, and the money still has to be repaid, but it is just a question of how, when and how much to repay. Since you really can't repay the loan for the time being, it's better to stop paying it all for the time being, and let yourself return to normal life and work hard.

Otherwise, if you keep taking out loans to support your loans, you can't even pay the most basic interest, so how can you go ashore?

You can contact the customer service of the loan platform to repay the loan.

There will be no consequences for the loan money:

1. If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

2. If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement;

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law;

4. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

If there is really no ability to repay, it should negotiate with the bank or lending institution to extend the repayment period or repay it in installments, and there will be no consequences for the loaned money

1. If the lending institution or bank fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement.

2. When the court accepts the implementation of the forcible first state system, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law.

3. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

4. In the case of refusal to enforce the judgment or ruling despite having the ability, it is suspected of the crime of refusing to enforce the judgment or ruling.

Online loans do not get money but have to repay the money is obviously **, this kind of lending institution is not need to deal with, it is best to cancel or report, it is recommended that you usually go to the regular platform when you need money and loans, do not go to unreliable platforms, it is easy to be deceived.

If a customer applies for a loan on an online platform, but the system shows that the loan has not yet arrived, but the system shows that the loan needs to be repaid, it is recommended that the customer directly give up the loan on the platform, go to another loan platform to reapply for a new loan, or directly cancel the loan on the platform.

The reason for this is that it is very unreasonable to pay off the loan before it arrives. Any formal lending platform approved by the CBRC and holding a financial license will generally not charge any fees to customers before the loan funds are credited to the account.

Therefore, customers must not repay the loan, otherwise it is easy to fall into the loan**. It may be that after repaying the money, the platform will still not borrow money, but directly "roll up the money and run away". Even if the loan is later released, most of the money paid in the past will not be returned.

In fact, it is equivalent to the platform charging "cut interest".

And you also need to pay attention to the fact that to apply for a new loan on other platforms, you need to find a formal licensed consumer financial institution, and do not go to an unknown microfinance company to borrow money.

How to solve the problem of fraud online loan without paying off the money but having to repay the money.

If the online loan obviously does not make the next payment, but the platform still asks you to repay the money, then ignore it. Those who have to repay their loans before they are approved are most likely to encounter fraudsters, and on formal online lending platforms, there is no situation where customers will have to repay their loans before they have received their loans.

Some platforms may give reasons why they need to pay some fees before taking out a loan, and for such reasons, don't believe it. Keep in mind that online lending platforms that collect money without lending are unofficial. Don't pay anything, even if you pay and the other party really puts the money, you may be charged various handling fees, service fees, etc. for various reasons, and then you are really stuck in the loan and can't get rid of it.

In this case, the most direct solution is to report to the local CBRC or the Internet Finance Association. If you are in urgent need of funds, it is advisable to apply for a loan from another platform or directly from a bank or licensed lender.

What should I do if the online loan is not lenient and the loan is not given?

IOUs. You can learn about this product, which is a small credit loan with a low threshold, with a maximum amount of 200,000 yuan, which can be recycled, and the interest is calculated on a daily basis, and the system will give the amount according to the borrower's comprehensive qualifications.

2. Zhaolian good term loan.

Zhaolian Financial is an institution approved by the China Banking Regulatory Commission, and its good term loan has a low threshold and easy payment, which is an easy-to-handle consumer loan, with a limit ranging from 500 yuan to 200,000 yuan, and the loan term can range from 3 to 36 installments.

1. The online loan platform will send people to urge you to ask for a loan, and this period is very long before you pay it off.

2. If the online loan platform sues, it is very likely to apply to the court for the preservation of your assets, such as real estate, cars, deposits, etc.

3. If you are unable to repay the loan principal and the cost of collecting the loan after your assets are cleared, the online loan platform may apply for your salary income (basic living expenses will be deducted).

4. Unless you deliberately defraud or provide false information to take out the loan, you will generally not be imprisoned.

5. If you can't change the money within a certain period of time, you will be classified into the blacklist of the credit system, and it is impossible to re-lend, and it is difficult to apply for a credit card.

1. What are the consequences of not being able to repay the money owed for an online loan?

1. Penalty interest and liquidated damages.

If you don't repay the loan, then the first thing you will encounter is high interest and corresponding liquidated damages, if you don't want to get yourself into the loan quagmire, it is best to develop good repayment habits.

2. Credit will be damaged.

Whether you have borrowed money from an online loan platform or money from an online loan platform, if you fail to repay it after the deadline, it will be much more difficult to apply for a credit card or loan in the future. Some people think that the overdue repayment of online loans has no impact on their credit reporting. In fact, this idea is wrong, at this stage, there is an interconnected and encrypted system between the online loan platform and the central bank, and there will also be a shared "blacklist" system in the online loan platform, which can check your credit in minutes.

3. If the circumstances are serious, they will be imprisoned.

Many people are very concerned about whether they will go to jail if they don't repay their online loans? Usually such incidents as non-repayment of borrowed money are civil disputes and do not rise to the level of criminal law. However, if the borrower refuses to enforce the law or has the ability to repay the loan, and insists on being a cheater, then the court can pursue the criminal liability of the borrower, and the circumstances are too serious, and the sentence will be imprisoned.

Online lending is a kind of private lending, but the form of loan is put on the Internet to operate. Borrowers should repay their loans on time and maintain a good credit history. If you fail to repay the loan within the time limit, you can apply to the platform for deferred repayment, and you can repay the arrears with the help of friends and relatives.

Otherwise, once the overdue time is too long, it will affect personal credit, and if it is sued by the other party, it will also face the risk of property freezing.

In recent years, with the popularization of the Internet, more and more online loan platforms have appeared in life, after all, many people will go to online loans to borrow money when they have no money, which is convenient and fast. However, now, some people have no money to repay due to various reasons after borrowing money online. So, do you know what to do if the online loan is overdue and there is no money to repay?

Users may wish to try these methods and find out together!

As we all know, there are many online loan platforms on the market, and the interest rate of different online loan platforms is also different. Although online loans can help us solve our financial problems very quickly, some people blindly consume and eventually have no money to repay. However, you know the solution to the overdue online loan and no money to repay, so if you don't know, come and understand it clearly.

It is understood that you can try these methods, such as: 1. On the premise that it is possible to repay the principal, you can first try to negotiate with the lending institution to repay the loan. 2. If the overdue loan will be credited, then do your best to repay it first.

It is advisable to confess to your family and face it together. Be sure to confess all your debts and pay off all that you can pay off. 3. Don't borrow money anymore and stop there, and then find a job to go to work with peace of mind.

Resist the pressure and use the money you earn to fill the hole in debt.

If you can't repay the money with an online loan, if it is a regular platform, it will sue you through the court, and if other platforms can not pay it back, you don't have to pay it, after all, some online loans are illegal and will not affect personal credit.

This can be communicated.