There are too many online loans to get loans. You can solve this problem in the following ways.

Second, the specific analysis

1. Stop lending to support loans.

Users apply for too many online loans, which will make other lending institutions think that users are suspected of raising loans with loans.

Users should immediately stop applying for loans and apply for loans after a period of time.

2. The interval is more than 3 months.

Too many online loans will ruin the user's personal credit information, and it will take at least three months without any credit business before the credit information can return to normal.

3. Pay off some debts in advance.

Paying off some debts in advance can reduce the debt ratio. After the debt ratio is reduced, you can apply for a loan again.

Users can also choose to repay the loan on time, and then apply for a loan after paying off the arrears on time.

4. Pay off overdue debts.

If there is overdue debt in the credit report, it needs to be paid off immediately, and the credit report will return to normal after paying off.

After the credit information returns to normal, users can apply for loans normally.

5. Increase repayment ability.

Too many online loans will make lending institutions think that users' repayment ability is not good, and increasing personal income and financial proof can effectively increase users' repayment ability.

After the repayment ability is enhanced, the probability of passing the loan review will also increase.

6. Long-term loans have replaced short-term loans.

A large number of short-term loans can be replaced by long-term loans, which can reduce the number of loans.

After the number of loans is reduced, there is no problem that credit information is wasted.

7. Low-interest loans replace high-interest loans.

Users can use mortgage loans and secured loans instead of credit loans, thus reducing loan interest.

After the interest is reduced, the debt ratio of users will be reduced, thus improving the repayment ability of users.

8. borrow money from friends and relatives.

Unable to borrow money from lending institutions, users can borrow money from relatives and friends first, which can solve the short-term capital turnover problem.

9. Correct the problem of excessive borrowing.

Users borrow too much online because they borrow too much. As long as this problem is corrected, you can borrow normally in the future.

10, selling assets to obtain funds.

If you don't want to borrow money from relatives and friends, but you need to get some funds, you can choose to sell your assets.

Selling assets requires users to bear certain losses, but these losses are usually within the tolerable range.

Just check in: Beijian. Click "Query" and enter information to query your own credit data, including personal credit status, Internet black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.

3. How long will it take to sue the online loan after receiving the lawyer's letter?

How long it takes for online loans to receive a lawyer's letter overdue depends on the specific situation.

1. The borrower will pay off the debt in time after receiving the lawyer's warning, so the loan platform will naturally not sue.

2. If the borrower still chooses not to repay the loan after receiving the lawyer's warning, it may take several days or ten days before the loan platform brings a lawsuit to the court.

3. Some loan platforms issue a lawyer's letter warning, which is actually only a means of collection and will not really sue the borrower.

Therefore, even if the borrower still fails to repay the loan, the loan platform will probably not sue, but it is estimated that the payment will be made again, and it may even come to the door.

What everyone needs to pay attention to is that no matter whether the loan platform will eventually sue or not, it is not recommended to default after the overdue situation occurs. Once you are urged, you should pay off the debt as soon as possible.

If you can't make it clear at the moment, don't just avoid it. You can take the initiative to contact the customer service staff of the loan platform to negotiate deferred repayment.