If the loan has been refused, it is recommended to postpone the application. First contact the customer service of the rejected lending institution/platform to find out the reasons for rejection, and then take corresponding measures to solve the problem.

For example, personal credit has been damaged recently due to bad credit and overdue repayment, and it takes time to repair the damaged credit after paying off the debt. You can only try to borrow money after your personal credit has improved (it is recommended to improve your credit for about three to six months first).

If it is because there are many outstanding loans in the name and the personal debt ratio is too high, you need to find a way to pay off the debt first. If you can't finish it for a while, you can pay back as much as possible and borrow money after reducing the debt.

Everyone needs to be careful not to apply again in a hurry. Frequent application in a short period of time will easily increase the possibility of rejection, while excessive borrowing times will easily lead to long-term borrowing, leading to big data (credit information) becoming a "flower". It is best not to apply for new loans for three months temporarily, and it is not too late to borrow big data (credit information) after the situation has improved.

When people use the central bank's credit records, they will leave traces of inquiry, which is not good for lending friends, and most online loans are not credit-seeking, so they can't find specific online loan information when they are credit-seeking, but now they can learn their personal data through the data of "Xiaoqi Credit Information", and at the same time, they can learn more information about overdue online loans, application records, untrustworthy information, online loan blacklists and so on without leaving traces.

Extended data:

Why is my 18-year-old loan always rejected?

The user has reached the age of 18, but the loan application was rejected, mainly because the user did not meet other conditions of the loan. At least 18 years old, only the age condition of the loan is met. As long as the user does not meet one or more of the other loan conditions, the loan will not pass the loan review every time he applies for the loan.

In addition, if you are over 18 years old, but the occupation is a student at school, then the lending institution will not lend money to the students at school, so such users will be rejected as long as they apply for loans.

The online loan was rejected. What if I need money urgently?

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

If the online loan previously applied by the user does not check the credit information or does not check the credit information, then the previous loan will be rejected, which will not affect the user's application for bank loans. To apply for a bank loan, in addition to the overdue record of users' credit information, they also need to have a stable job and income and strong repayment ability.

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

Extended information:

Common reasons for the rejection of online loans:

1. Have bad credit records on other platforms; Bad personal credit is an important reason for the rejection of online loans. At present, many platforms have large databases, which are generally queried by * * * institutions when approving loans. If users are found to have bad credit records on other loan platforms, such as overdue repayment, their loan requests may be rejected to avoid lending risks.

2. The river bank is short of running water; If you apply for a loan in a bank, the running water of the bank is a very important reference factor when handling the loan. Banks mainly evaluate users' repayment ability according to their running records to determine whether they have stable income. If users have no or little bank flow, it will lead to the failure of refinancing.

3. Its own debt ratio is too high; If the last loan amount is not repaid, if you borrow again, your debt ratio will continue to increase, causing greater repayment pressure to users. In this way, banks will not be willing to lend money if they consider repayment comprehensively.

4. The applicant's information is incorrect; Many loan applicants fill in the information incorrectly or randomly when applying for online loans, so the platform will strictly review the loan application materials submitted by individuals. Once the borrower's own situation is found to be inconsistent with the information filled in, he will directly refuse the loan.

5. Personal basic information; Although online loans belong to online loans, there are hard requirements for the applicant's conditions. Of course, minors can't get loans, and users who don't have certain repayment ability can't apply for loans successfully. Therefore, before submitting a loan application, it is best to understand the conditions of the loan and confirm that it meets the conditions before submitting the application. The success rate will be higher!

Although it is relatively easy to apply for online loans, it is inevitable to be rejected if the above situation occurs. So you should sort out your actual situation and prepare the corresponding application materials. Never borrow money indiscriminately, regardless. That will only make your big data more colorful and have a certain impact on your personal credit information. Be careful.

Frequent online loans are rejected. What should I do if I need money urgently?

Frequent online loans are rejected and urgently needed. You can apply for a loan from the following loan platforms:

First, Qianhua: Qianhua is a credit service product under Baidu, which has a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 200,000 yuan, 1 10,000 yuan loan 1 annual average daily interest 1. 1 yuan. The better the credit, the lower the interest rate.

Second, Lending Bao: Lending Bao is a pure credit loan product launched by Alipay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users. Ordinary users can only apply for opening if the sesame score is above 600. According to sesame score, the loan amount is10-300,000, the lowest daily interest rate is 0.02%, and the loan term is 12. It has always been a conscience loan.

3. Return: Shanghai Jihe Information Technology was established on 20 15 and returned the products on 20 16. The major shareholder is Focus Media listed company (stock code: 002027), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.

4. Micro-loan: Weizhong Bank is the first Internet bank under Tencent. Its products include micro-loan and micro-car loan, and it is committed to providing fast financial services for small businesses and individual consumer groups.

Verb (abbreviation of verb) Paipai Loan: Paipai Loan was established in 2007 and is a p2p financial platform listed on the New York Stock Exchange. Auction loan products are mainly divided into batch bidding and rainbow bidding. At present, credit loans are provided to users, with a maximum loan amount of 200,000 yuan and a monthly loan interest rate of about 1%. Users can choose appropriate loan products according to their own needs.

The online loan was rejected. What if I need money urgently?

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

If the online loan previously applied by the user does not check the credit information or does not check the credit information, then the previous loan will be rejected, which will not affect the user's application for bank loans. To apply for a bank loan, in addition to the overdue record of users' credit information, they also need to have a stable job and income and strong repayment ability.

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

Extended information:

Common reasons for the rejection of online loans:

1. Have bad credit records on other platforms; Bad personal credit is an important reason for the rejection of online loans. At present, many platforms have large databases, which are generally queried by * * * institutions when approving loans. If users are found to have bad credit records on other loan platforms, such as overdue repayment, their loan requests may be rejected to avoid lending risks.

2. The river bank is short of running water; If you apply for a loan in a bank, the running water of the bank is a very important reference factor when handling the loan. Banks mainly evaluate users' repayment ability according to their running records to determine whether they have stable income. If users have no or little bank flow, it will lead to the failure of refinancing.

3. Its own debt ratio is too high; If the last loan amount is not repaid, if you borrow again, your debt ratio will continue to increase, causing greater repayment pressure to users. In this way, banks will not be willing to lend money if they consider repayment comprehensively.

4. The applicant's information is incorrect; Many loan applicants fill in the information incorrectly or randomly when applying for online loans, so the platform will strictly review the loan application materials submitted by individuals. Once the borrower's own situation is found to be inconsistent with the information filled in, he will directly refuse the loan.

5. Personal basic information; Although online loans belong to online loans, there are hard requirements for the applicant's conditions. Of course, minors can't get loans, and users who don't have certain repayment ability can't apply for loans successfully. Therefore, before submitting a loan application, it is best to understand the conditions of the loan and confirm that it meets the conditions before submitting the application. The success rate will be higher!

Although it is relatively easy to apply for online loans, it is inevitable to be rejected if the above situation occurs. So you should sort out your actual situation and prepare the corresponding application materials. Never borrow money indiscriminately, regardless. That will only make your big data more colorful and have a certain impact on your personal credit information. Be careful.