There is no overdue, and many online loans have not passed, which may be due to the following reasons:

1, the income is not good.

Income, as the most important loan application information, is the key to ensure repayment ability, so online loans will judge whether to grant a quota according to the borrower's income. Online loans generally don't check the bank's flow, and they don't have that right, so the income is just for reference and combined with other information for comprehensive judgment.

2. Bad credit report

Some users always think that credit is irrelevant, and the occasional delay or two has little effect. In fact, overdue can reflect two problems. One is that the financial situation is not good, and the capital turnover will be overdue. The other is poor integrity, no sense of repayment on time, and habitual overdue. No matter what the problem is, it will lead to the failure of online lending.

3. Debt

Even if it is not overdue, if the current debt ratio is too high, it will lead to the failure of online lending, because a person's income is limited, and if he is still burdened with debts, there is not much money to repay, so institutions are generally reluctant to give borrowers with high debt ratios an excessive amount.

The above is related to why many online loans are not overdue. In short, as long as there is no overdue, there is the possibility of loans, and we can start from other aspects, such as increasing mortgage guarantees or providing guarantors.

Extended data

First, online lending.

Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.

Second, I found that I was cheated. How to cancel the contract of online loan?

I was cheated. I suggest calling the police.

1, after the alarm, although there is little hope of recovering the loss, there is still a chance in case.

2. Tell your own experience and warn others. Let good and innocent people no longer be deceived.

3, long snacks, don't be fooled again in the future. Remember the old saying: "Once you fall, you will gain wisdom." Don't believe that pie falls from the sky, and don't go to the doctor blindly because you are in a hurry.

Loans must find formal channels and formal platforms.