Zhaolian Finance can't afford it. Users can choose to negotiate repayment with Zhaolian Finance. Users explain the reasons why they can't afford it, and it is best to submit relevant supporting materials to Zhaolian Finance for review. As long as the user expresses willingness to repay, Zhaolian Finance will generally agree to negotiate repayment after reviewing the information submitted by the user. Negotiating repayment can extend the repayment period and even reduce some interest.

When applying for a loan, users must apply for a loan according to their repayment ability, otherwise the risk of overdue will be great.

I. Overdue payment of Zhaolian Finance 1, penalty interest. Penalty interest will be incurred when the recruitment of financial services is overdue. If it is a multi-period consumption, and the user fails to pay it back within the time limit, Zhaolian Finance will withdraw it on a daily basis at the daily interest rate of 0.75‰ of the unpaid principal in the current period, and charge a late fee.

2. Produce bad credit information. Once the arrears of Zhaolian Finance are overdue, Zhaolian Finance will upload your overdue records to China People's Bank for credit investigation. Once the credit is overdue, you cannot apply for a loan.

3. collect. Once the recruitment finance is overdue, it will entrust a third-party collection company to carry out telephone collection, SMS collection and even violent collection. If the payment is overdue for a long time, the collector will contact your emergency contact or family, which will affect your personal life.

4. sue. If the borrower fails to repay the loan for a long time, Zhaolian Finance will apply for judicial proceedings, that is, take prosecution proceedings. Once the lawsuit is executed by the court, you will be sentenced as a faithless person and banned from flying, high-speed rail, etc.