The best way to deal with the inability to repay the loan is: how much is the customer's first repayment. As for the rest, customers can try to borrow money from relatives and friends around them to raise funds to repay the arrears; Or you can take the initiative to contact Alipay customer service to negotiate and try to apply for an extension of the repayment period and repay the arrears in installments.

Supplementary information:

1. Alipay naturally won't casually agree to the customer's extension request, so the customer needs to make it clear that he doesn't have enough repayment ability for the time being during the negotiation, indicating that he didn't intentionally delay the payment. It is best to provide some supporting information to show that you are willing to actively repay the loan. In this regard, Alipay will consider it as appropriate.

2, and everyone needs to pay attention, in fact, the flower buds can be repaid in installments, and there is an extension service. Therefore, if the customer finds that he has not paid the bill early in the morning, he can apply for bill installment in advance before the repayment date, or apply for deferred repayment and pay the minimum repayment amount of the bill first. This can at least delay the repayment pressure, and will not cause the flowers to be overdue and affect personal credit.

Extended data:

1. What is a loan?

1. Credit loan (formerly known as Lending Bao) is a loan service launched by Ant Financial Services Group relying on Alipay. According to different sesame scores, users can apply for different loan quotas. ? The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. When borrowing money, users can choose to lend money to Alipay account and bound savings bank card for personal consumption, decoration, travel and so on.

2.202 1, 1 1, the name of the loan was changed to "credit loan", and it was clearly stated that the service was provided by the bank.

Second, what is the impact of overdue loans?

1. Function restriction: the loan function and the functions of other credit products will be affected after the overdue period, and whether it can be restored after the subsequent repayment will be evaluated irregularly by the system, so manual intervention is impossible;

2. Impact of the quota: Even if the repayment is overdue, the quota may be reduced or there is no quota;

3. Negative records: overdue records will be uploaded to Sesame Credit and uploaded to the basic database of financial credit information according to regulations;

4. Overdue interest: for overdue repayment, an overdue fee of 1.5 times the normal interest rate will be charged for the overdue amount.

It is recommended that you repay the loan on time, keep a good record of use and avoid overdue.