Loans overdue, if the loans overdue record is not in the credit report, users can apply for loans from banks, consumer finance and loan platforms. If loans overdue records are used for credit investigation, users can try to apply for private loans. Because bank loans, consumer finance loans and lending platforms need to be authorized to inquire about credit information when applying for loans, users with poor credit information cannot apply.
Private loans will not check personal credit information. As long as the user can provide guarantee or collateral, there is a certain chance that the loan will be successful.
In spring, if the overdue situation of users is not very serious, they can apply for loans from online lending companies with lax credit information, increase income certificates, provide more comprehensive loan application materials, and apply for loans, such as installment music, willful loans and comfortable flowers.
Second, you can cautiously apply for a mortgage or secured loan in the bank. Guaranteed loans and mortgage loans have lower requirements for borrowers' personal credit information than credit loans. Generally speaking, users can apply as long as their credit information is not overdue. However, if the user's credit information is overdue, currently overdue or hacked, it is definitely impossible to apply.
Third, you can apply for a loan from a bank through a guarantee company, but the cost of the guarantee company is relatively high and you need to bear certain risks, so you should carefully consider making a choice later.
If all methods have been tried, and you can't apply for loans from lending institutions or banks, you can only borrow money from relatives and friends.
Is there a platform for overdue borrowing?
1. Enjoy these flowers.
Huixianghuahua is a new way of borrowing after overdue. Just came out, the pass rate is high. You can provide a source of income without looking at credit information and liabilities. The loan amount of products is generally around several thousand yuan, and the loan period is not long. Can be used for 30 days. Overdue friends can try to apply.
2. Pu Ronghua
Puronghua is the previous Hengyi loan. Don't read the credit report when applying. You can pay even if there is overdue at present. The amount provided is generally less than 50,000 yuan, and the service life is 12 months. The approval speed and lending speed are improved, and the loan can be released in 10 minutes at the earliest.
3. Easy loans and quick loans
Easy Loan and Fast Loan Although the employer's licensed financial institution will check the credit information when applying, many users can still lend money after feedback in the current period. The general credit line is less than 50,000 yuan, and the service period is 3- 12. Please be realistic.
What are the platforms for overdue borrowing?
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When we need to apply for a loan, we find that the previous repayment or credit card use is overdue, so can we still apply for a loan? What platforms can I borrow money after the deadline? Next, Bian Xiao will take stock for you.
What platforms can I borrow money after the deadline?
When our credit report shows that there is no record of bad debts and compensation, and there is no overdue record for three consecutive months or six months, the general lending institution will pass our loan application. In order to prevent our loan application from being rejected, we can try to apply for a loan from the following accessible loan platforms without serious overdue.
1, 360 IOUs
360 IOU is a loan platform for individuals and small and micro enterprises under 360. It evaluates customers' credit based on 360 big data, and provides consumer loans that arrive quickly on this basis.
360 IOUs provide loans to Chinese mainland residents aged 24 to 55. Users need to submit information such as ID card, bank card and mobile phone number online when applying, and can apply for a loan with annualized interest rate of 7.2%, loan amount of 1 200,000 yuan and repayment period of 3 months to 24 months. 360 loan approval is fast and the threshold is low.
2. Zhaolian Finance
Zhaolian Finance is an Internet consumer finance company established by China Merchants Bank and China Unicom. The main online loan product is Zhaolian good-term loan, which can be borrowed at any time 24 hours and received in real time. According to the user's qualification, you can apply for a loan with a maximum amount of 200,000 and a maximum term of 36 months, with daily interest and flexible repayment. Users with excellent qualifications can also get interest rate concessions.
3, the degree of small full financial.
Du Xiaoman Finance is a formal financial company, backed by Baidu. Its personal consumer credit products include easy loans and privileged loans. Users apply online through the whole process, and the system will determine the loan amount and interest rate according to the user's qualifications. It has the characteristics of fast arrival, flexible loan, early repayment and installment repayment.
4. Ping An Consumer Finance
Ping An Small Orange Flower launched by Ping An Consumer Finance Co., Ltd. is a personal circulating consumer credit loan product. Users can apply online through the whole process and get a revolving loan amount of up to 200,000 yuan without mortgage. The loan interest rate is between 65,438+04% and 24%, and you can borrow at any time for 24 hours, and you can also enjoy a certain amount of interest-free service for small consumption.
5. Stage music
Staging music is a consumption staging platform under Lexin. Submit the material application online, and the system will automatically approve the quota, the fastest 1 minute. The maximum loan for installment music is 200,000 yuan, and the interest-free loan within 30 days is 654.38+0,000 yuan. You can choose to repay in multiple installments.
6. Comfortable flowers
Anyihua is a loan platform under the immediate consumer finance company. Users can apply online, and the system will quickly approve according to their credit status. The annualized interest rate is between 7.2% and 24%, and the maximum loan is 200,000. The credit line can be circulated once, and the fastest loan is 1 minute. Repayment can be flexibly phased.
7. An Xinhua
An Xinhua is a loan platform independently operated by Chengdu Yunhe Network Technology Co., Ltd. Users can get approval quickly after applying online. The maximum loan amount can be 200,000 yuan, with an annual interest rate of 7.2%, and repayment can be made in installments for up to 36 months.
8. Good installment loan
Good loan installment is an online credit loan product launched by Dalian Zhongshan Deyunsheng Microfinance Co., Ltd., which is aimed at users aged 22 to 45. The review time is 3 minutes, and the loan is released within 10 minute. The loan amount is between 50 million and 200 thousand, the loan interest rate is between 7.2% and 24%, and the loan period is between 3 and 36 months.
9. Mei Tian loan
Mei Tian Loan is an Internet micro-loan platform, which has low requirements for customers' credit information during the audit, and is friendly to lenders whose credit information is rejected. The maximum approved loan amount of Mei Tian Loan is 50,000 yuan, with 30 days interest-free, the fastest loan 1 minute, and flexible installment. Mei Tian loan repayment period is short, suitable for short-term use.
10, banyan loan
When filling in the application materials, Banyan Tree Loan only needs my ID card information and telephone number, and will not inquire about the personal credit information of the lender. After the loan application is approved, the annualized interest rate is the lowest 12% and the maximum loan amount is 200,000. You can apply for multiple products by filling in the information at one time.