If you borrow too much from online loans, you can borrow money through the following methods.

1. Repair your credit report before borrowing money.

The borrower borrowed from an online loan with a credit bureau. Borrowing too much will ruin the credit bureau. It is recommended to temporarily stop handling other credit businesses with a credit bureau, and during this period, the credit business that has been processed will be processed on time. To repay the loan, wait until your credit report is almost repaired in 3 months before borrowing money. The risk of borrowing is reduced, your ability to repay is no problem, and you have a high probability of borrowing money.

2. Pay off the online loan and then borrow money.

Borrowers have borrowed a lot of online loans and all of them have credit bureaus. When the number reaches 3, it is considered a long-term loan. When the funds are relatively abundant, try to settle part of the online loans and reduce the number of loans. After it drops below 3, wait at least a month before borrowing money. If you have no bad credit record and stable solvency, you can still borrow money.

3. Reduce debt and then borrow money.

Borrowers who have borrowed too much through online loans but are not overdue can first reduce the amount owed on their credit report through repayment and reduce the overall debt ratio to less than 50%, and then borrow money. Yes, after all, reducing debt is equivalent to improving repayment ability, and borrowing money will naturally be easier.

4. Providing collateral to borrow money. If you borrow too much through online loans, it is easy for the lending institution to question your repayment ability and think that the borrower has a relatively high lending risk.

However, borrowers can mortgage their assets to lending institutions to borrow money to reduce lending risks. There is a high probability that they can still borrow money, and the maximum loan amount can be 80% of the assessed value of the collateral.

5. Find private loans/private loans.

For example, you can borrow money from relatives and friends around you, or some individuals who are engaged in lending. Even if you borrow a lot from online loans, you will most likely be able to borrow money. However, private borrowing is a type of private lending and needs to be signed. A good loan contract stipulates an interest rate within the legal interest rate range, which can generally be higher than the bank interest rate, but cannot exceed 4 times the bank's similar loan interest rate.

6. Find someone to guarantee the loan.

If you borrow too much online, you can go to a bank or some lending institutions to borrow money offline. Find a relative or friend who has a stable residence in the local area, strong financial strength, and good credit, and provide assets in your name as a guarantee. Give yourself a loan and jointly bear the responsibility for repayment, because the risk of borrowing is reduced and you have a high probability of borrowing money.

7. Let others help you borrow money.

For example, you can ask qualified relatives and friends to lend you money, or help you find other people to borrow money and then transfer it to you, and you are only responsible for the repayment.

As long as the other party can successfully loan or borrow money, it is equivalent to successfully borrowing money indirectly.

8. ***Same as borrowing money.

There are many loans that allow two people to borrow money at the same time. If you borrow too much online, you can participate in the loan as a subprime borrower, and other people with good qualifications will serve as the primary lender.

Lending institutions will focus on reviewing the qualifications of the primary lender. As long as the primary lender passes the review, the subprime borrower meets the basic borrowing conditions, and passes the credit and repayment ability.

In "Beijian Quick Check", you can get a big data report and easily check your online loan overdue records. At the same time, you can understand your online loan situation by category, including formal and informal platforms, credit citations and no credit citations, etc. If you encounter insufficient funds, you can negotiate with the online loan platform to give priority to paying off the loans with formal credit reports to reduce the negative impact on you.

Extended information:

Do I have to pay back the loan I received online without knowing it?

If someone else uses your identity to borrow an online loan without your knowledge, you are not responsible for repayment.

Everyone needs to pay attention.

1. Since the loan was not made by me, I naturally have no obligation to repay.

2. If you are called for payment by an online loan platform, explain the truth directly to the other party, and then you can apply to terminate the loan relationship. If the other party wants to recover the money, ask him to find the person who borrowed the money under the false name to repay the money.

3. If you explain that you were unknowingly being loaned by an online lender and the online lending platform ignores it and still continues to demand payment, you can collect relevant evidence and report it to the local Banking Regulatory Commission or the China Internet Finance Association.

In the case of serious leakage of personal information, you can also report the case to the local public security department if necessary.

If the dispute cannot be resolved clearly, you can also file a lawsuit with the local people's court.

It is recommended that everyone pay attention to keeping personal information, especially ID cards, and do not give them to others casually. Once the ID card is lost, be sure to get a replacement as soon as possible to avoid inadvertent leakage of information. causing safety hazards.