1. Apply for deferred repayment.

When you are sure that you have no money to repay, you can take the initiative to call the customer service of the online loan platform before the repayment date expires to discuss whether you can postpone the repayment. If the deferred repayment application is approved, the user can repay the loan before the newly agreed repayment date. If there is no money to repay the loan within the time limit, when the platform staff contact to remind the user, the user can inform the staff of the reasons for the overdue and negotiate a solution.

2, find friends and family turnover.

After the online loan is overdue, there is no money to pay it back. Users can borrow money from family or friends and pay them back when they have money. If the overdue amount of the user is relatively high, and a family member or friend can't come up with so much money, the user can spread the amount and find more friends to borrow money, so that the user can generally borrow the amount he needs.

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What are the consequences of overdue online loans?

1, penalty interest and liquidated damages

If the loan is not repaid, the first thing you will encounter is high interest and corresponding liquidated damages. If you don't want to get yourself into a loan quagmire, you'd better develop good repayment habits.

2. Credit will be damaged.

Whether it is money borrowed from banks or money from online lending platforms, if it is overdue, it will be much more difficult to apply for credit cards or loans in the future. Some people think that overdue online loans have no effect on their credit information. In fact, this idea is wrong. At present, there is an interconnected encryption system between the online lending platform and the central bank. On the online lending platform, there will also be a "blacklist" system, and your credit can be found in minutes.

If the circumstances are serious, people will go to jail.

Usually, this kind of non-repayment of money is a civil dispute and has not risen to the criminal level. However, if the borrower refuses to perform or has the ability to repay, and insists on default, then the court can investigate the criminal responsibility of the borrower, and if the circumstances are too serious, he will go to jail. According to the criminal law, if the circumstances are serious, you may face the consequences of imprisonment of not more than three years and fines. If it is particularly serious, you will face a longer imprisonment of three to seven years and fines.

What should I do if loans overdue runs out of money online?

What should I do if the online loan has no money?

1, determine a repayment order first in case that you can't afford it.

(1) The first thing to do is to query your own credit report.

(2) Go back to the credit platform first, and then go to credit.

(3) First, change the high interest rate and short-term loans.

2. We should stop peer-to-peer lending in time, and don't think about raising loans with loans, which will only make the debt bigger and bigger. Our purpose is to pay off debts, not to keep ourselves in debt forever. Raising loans with loans will only increase our burden and let us fall into a bigger "pit".

3. If it is overdue, keep the mobile phone signal unblocked during the other party's collection stage. Deliberately turning off the phone or answering the phone is not recommended. We should actively respond and explain our economic situation. Ignoring the handling method can easily lead to "intentional overdue".

4. Ask your family for help. You can borrow some money from your family first, pay back the online loan, and then slowly return the money to your family. Although they are all liabilities, there will be no stain on their credit and they will bear different psychological pressures.

What should I do if I have no money for overdue online loans? These methods can be used to solve.

When money is badly needed, many people will choose to borrow money through the internet, but many people can't return it on time after borrowing it. What if the online loan is overdue and there is no money? How to deal with such a situation? Let's give you a detailed introduction to servants, so that you can pay more attention when borrowing.

If the online loan is overdue and there is no money to repay, you can apply for deferred repayment or re-installment repayment. General platforms will agree when explaining their difficulties. When repaying by installments again, it is generally necessary to increase the number of installments and effectively reduce the monthly repayment amount, so as to effectively avoid overdue.

In fact, if the online loan is overdue, he can borrow money from friends around him when he has no money to pay back, and he can also avoid overdue. But when you borrow money, you'd better promise the repayment date, and don't borrow money from friends around you often. Too many times will also cause resentment of others and affect the relationship between friends.

In order to avoid not being able to repay online loans on time, users must measure their repayment ability when borrowing money and know what to use for income repayment. If your personal income is relatively small, you should handle the loan carefully at this time; Usually, when your personal income is relatively high, you can borrow it with confidence, so you don't have to worry about not paying it back in the future.

Overdue online loans will have serious consequences. First, there will be a penalty interest after the deadline. The longer the time, the more penalty interest, and the platform will collect it after the deadline. The common collection method is to call the borrower, which will affect the normal life of the individual; It is worth mentioning that the collection of the platform will continue until the user returns the arrears.

Finally, users must pay attention to the formality of the platform when borrowing money. Only by borrowing money through a formal platform can their legitimate rights and interests be guaranteed. Moreover, the interest of the formal platform borrowing expenditure is relatively small, which is conducive to the subsequent repayment of arrears and will not be overdue.