1, take the initiative to contact the manual customer service.
If the online loan APP has online manual customer service, you can directly contact the manual customer service online and submit an application for deferred repayment to the other party. The online loan APP does not provide online customer service, and users need to call the customer service hotline of the online loan platform. Call the hotline during working hours, and there will be a manual customer service to answer it, and then the user submits an application to negotiate repayment.
2. Explain the reasons for the delay.
If the user needs to postpone the repayment, there must be real and reliable reasons, otherwise the customer service will not accept the user's request. But the application for contacting customer service for the first time was rejected. Please contact customer service several times to submit an application for deferred repayment until the customer service accepts the request.
3. Submit supporting materials
Customer service will let users upload proof materials through the APP window. The function of proof materials is to prove that users are really unable to repay loans, so these materials can be unemployment certificates, poverty certificates and so on. After uploading the proof materials, the customer service needs to spend a certain amount of time to review, which usually takes several working days.
4. The customer service informs the audit result.
Customer service will call back the user after a few working days, generally using the official customer service hotline. Customer service will first introduce his name and work number, and then inform the user of the audit results. After the user has passed the review, the customer service will give a plan for delaying repayment. If the audit fails, the customer service will let the user resubmit the supporting materials.
5. Repay according to the deferred plan.
If the user successfully applies for deferred repayment, he can defer repayment according to the scheme given by customer service. During the deferred repayment period, there will be no overdue interest and overdue fees, but the loan interest will be charged as usual.
Tips: Some online loan apps have deferred repayment function. Users only need to go to the repayment page and directly choose deferred repayment. Different online loans have different specific regulations. Please refer to the page display for details. After the deferred repayment is successful, users will have more time to prepare repayment funds, but on the repayment date, users will still have overdue records and overdue interest. Users who succeed in delaying repayment must also repay on time, otherwise it will have a negative impact on personal credit.