I applied for dozens of online loans and all were rejected. Where can I get a loan?

If all applications for dozens of online loans are rejected, it is likely that there are certain problems with the customer's personal credit. Before the problem is solved, it is unlikely that the customer will be able to successfully obtain a loan in a short period of time. payment.

I am afraid that only some small loan platforms with low application thresholds that have not been approved by the China Banking Regulatory Commission and do not hold a financial license have the opportunity to borrow. Because most of these small loans are not genuine, many of them will not be reviewed. As long as the customer provides their ID number or mobile phone number, they can make a payment.

Of course, it is not recommended that customers apply for such unknown small loans, because there are some loan sharks and fraudsters mixed in, and customers can easily fall into loan scams and cause personal financial losses if they are not careful.

It is better for customers to choose loans from genuine licensed lending institutions/platforms. Although they cannot borrow money in a short period of time, they will postpone the application to improve the credit (big data) situation of "spending" and accumulate more good results. Credit, and you can take advantage of this period to repay the debt in your name and reduce the debt ratio. The probability of success in borrowing later will naturally be higher. Can I still apply for dozens of online loans but have been rejected?

1. Positive answer

It is necessary to analyze the reasons for rejection of online loans. After all, both online loans and bank loans are The borrower's credit status and repayment ability should be evaluated based on the credit report.

2. Specific analysis

As long as the borrower’s credit report is not too poor, such as having three or six debts in two years, or having bad credit records such as bad debts and compensation, bank loans are Had a chance.

However, you must choose the loan channel and loan type.

1. Loan channels: Bank loans can usually be processed online and offline. If the borrower has assets such as cars and houses in his name, it is recommended to go to a bank branch to apply offline, so that relevant information can be submitted directly to the bank. , such as proof of income, proof of financial resources, etc., to prove your repayment ability and financial strength.

2. Loan types: Banks can provide a variety of loan types, such as credit loans, mortgage loans, secured loans, etc.

Borrowers can apply for a mortgage loan, with collateral as the source of repayment, and the approval rate for online loans will be relatively higher than simply looking at credit; or they can find a high-quality bank to guarantee themselves. It can also improve the loan success rate.

Just search: Beijian Quick Check. Click Query and enter information to query your own Baihang credit data. This data comes from more than 2,000 online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, and obtain various indicators. Query your personal credit situation, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan estimated credit limit and other important data information.

3. If the online loan cannot be approved, can the bank still lend me a loan?

Even if the online loan is rejected, you can still go to the bank for a loan. The reasons are as follows.

1. Different lending institutions: Online loans and banks are not the same lending institution and do not conflict with each other.

Whether the online loan is approved or rejected, it will not affect the bank loan application; in addition, the bank does not stipulate that you cannot get a loan if you have applied for an online loan.

2. Different risk control mechanisms: Online loans and bank loans have different risk control and review mechanisms, and the requirements for borrowers are also different. If the same borrower fails to apply for an online loan, it does not mean that the same borrower cannot be approved. Loans from banks can also be rejected, but the details still depend on the bank’s review results. My credit card is not overdue, I have applied too many times for online loans, and many online loans have been rejected instantly. Can I still get a loan?

If you apply for an online loan too many times and are always rejected instantly, you will no longer be able to get another loan.

It is recommended to choose a bank loan. As a lender, you need to meet the conditions for applying for a loan business:

1. Natural persons aged 18 to 65 years old.

2. The actual age of the borrower plus the loan application period should not exceed 70 years old.

3. Have a stable career, stable income, and the ability to repay loan principal and interest on schedule.

4. The credit report is good, no bad records, and the loan purpose is legal.

If you meet the application conditions for China Merchants Bank credit card, you can try to apply. The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record.

The result of credit card application shall be subject to actual review by our bank. The necessary application documents are copies of identity certificates and employment certification documents. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and determine your credit limit.

If you are interested in a CMB credit card and have never held a credit card from our bank, you can apply in the following 4 ways:

1. Please log in to the credit card website and select "Apply" Credit Card" - "New Customer Application".

2. Please bring your original identity certificate, employment certificate and financial certificate documents and go to any branch of China Merchants Bank to apply in person.

3. You can also call the customer service hotline, select "3#" in the voice message to apply for credit card consultation, and then select "1" to transfer the service specialist to register you and notify our local staff Contact you to confirm your application.

4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version.