The reason why white households can't get loans is because the credit of white households is blank, and it is difficult for lending institutions and platforms to understand their specific credit status and repayment ability, so naturally they will not approve loans easily.

However, as long as the customer provides true, accurate and comprehensive information at the time of application (especially more information on economic income, assets and financial resources can be prepared) and has the ability to repay the principal and interest of the loan on time, under normal circumstances, the loan can still be successfully approved. After all, there is not much problem with the credit of white households.

And if it is a customer with credit problems, such as overdue records in credit information (big data), it is basically difficult to lend money in a short time. Lending institutions and platforms will naturally refuse to approve loans because they are worried about the excessive risk of lending once they find the credit problems of customers in the audit.

Personal credit plays a very important role in our life, because whether we go to the bank to apply for a credit card or go to the bank for a loan, we will review our personal credit. Then, how should a white household without a credit record apply for a bank loan?

First, be a bank running water.

Because the personal credit record of white families is blank, it is not easy to get bank loans. If you are in a hurry to get a loan, you can make reasonable use of the running water of the bank to apply for a loan, for example, making more of your income can improve your loan success rate. In addition, you can also choose the bank where the salary card is located to apply for a loan, so the success rate will be higher.

Second, apply for a credit card

The main reason why it is difficult for white households to apply for bank loans is the lack of personal credit, so if they are not in a hurry to get loans, they can apply for a credit card first and cultivate personal credit by swiping it. It will be much easier to apply for a loan in the bank after half a year.

Third, asset mortgage.

If you have enough assets, you can apply for a loan from the bank with the assets in your name, such as real estate and cars, as collateral. With a mortgage as a guarantee, it will naturally be easy to pass.

Fourth, find a third party guarantee.

If you can find a qualified and reputable third-party guarantee, you can also go to the bank to apply for a secured loan, which is also a way for white households to apply for a bank loan.

Five, the loan amount is appropriate and the purpose is clear.

When a white household goes to a bank to apply for a loan, be careful not to apply for a loan with a high amount. The purpose of the loan should be clear, and reasonable use can improve the pass rate of the loan.

What if the car loan fails?

If the loan is not approved for our own reasons, the deposit should be refunded. Generally speaking, 4S stores have related processes, so just follow the process. However, if you can't apply for a loan because of your own credit information, under normal circumstances, the deposit will not be refunded, and you can negotiate a refund with the 4S shop.

What if the car loan application is unsuccessful?

If the car loan application is unsuccessful, the customer can first inquire about the reasons for refusing the loan. If the information provided is insufficient, the customer can supplement and improve the information before applying for a trial.

And if it's because you missed the return call from the bank or lending institution, the customer can call back and reapply.

Also, if the personal debt ratio is too high, customers can pay off part of the debt first, and then apply after the personal debt ratio drops.

However, if there are problems with personal credit, such as overdue records in the credit report, in this case, customers may not be able to apply again in a short time, and most applications will be rejected. It is recommended that customers pay off their debts first, and then maintain good credit and improve the credit of their accounts. Wait until the new good record covers the old bad record before applying for a car loan.

If it is because of their average economic conditions and repayment ability, then customers can try to find a person with good credit or a professional guarantee company to guarantee their loans, which can improve the chances of loan passing.

Why can't White Tiger get a car loan? What if the white car loan is not approved?

Many people own a scooter through loans. Although car loans do not restrict white households from obtaining loans, in fact a considerable number of white households have been refused car loans. Then, why can't white households get car loans? What if the white car loan is not approved? Let's see what we can do here.

1. Why can't white households get car loans?

No matter whether you apply for a car loan in a bank or an auto financing company, you will check the lender's credit report at the first time when the loan is approved, understand the lender's credit status, and judge its willingness and ability to repay.

White households have never had credit cards and loans, and the credit report has no credit record except personal basic information. Even if the lender checks the credit information, he still doesn't know the lender's true willingness and ability to repay. Due to risk considerations, it is very likely that Bai Hu's car loan application will be rejected.

Second, what should I do if the white car loan cannot be approved?

If the white car loan is not approved, you can change to a lending institution with a loose threshold. For example, if the car loan in the bank was rejected before, they can change to an auto finance company for a loan. The requirements of auto financing companies are still lower than those of banks, but the interest rate will be higher.

If you don't want to get a high-interest loan from an auto financing company and want to get a car loan from a bank, white households can get a credit card first, and then use the card to make a good credit record to repay the loan. The key to the loan process is to show your repayment ability. In addition to proof of income and work, you should also provide proof of financial resources under your name as much as possible, such as real estate license and financial management certificate.

If you have friends and relatives with good credit around you, you can ask them to be car loan guarantors, which can improve the pass rate of car loans to some extent.

The above is the introduction of "Why can't white households get car loans". In short, without a credit history, most loans from white families will be rejected. Lenders can apply for a credit card first, get rid of the status of white households, and then borrow money. As long as the repayment ability is recognized, there is still a chance to get a car loan.

What if the car loan fails? What can I do if the car loan is rejected?

If the car loan fails, it is best for the applicant to consult the bank account manager or relevant person in charge in time to understand the reasons for the rejection of the car loan. If it is a personal data problem, you can supplement the information and reapply; If the repayment ability is rejected, the loan application amount may be appropriately reduced and the loan term may be extended; If the loan is refused because of high debt, it is suggested to pay off the loan first and reduce the debt ratio before applying.

What can I do if the loan is rejected?

If you refuse a car loan because of personal credit problems, it is irreparable. Because it is found that after the car loan is rejected, we must carefully understand some reasons and prescribe the right medicine before we can apply successfully again.

The car loan has not been approved, and the deposit paid when applying for a car loan is generally non-refundable. Only when the dealer refuses to perform the contract can the deposit be returned, and part of it will be returned in double. If the loan fails due to the applicant's own reasons, it is generally impossible to ask the dealer to refund the deposit, but you can try to negotiate with the dealer.

General car loan approval may take about a week, but this is just a reference. In fact, according to the situation at that time and the loan platform, some people can announce the approval structure in about 3 working days when the information is complete and correct, and some people need about 15 working days, so the time for car loan approval is not very fixed.