Of course, if you can't pay off the loan temporarily, you can choose to contact the loan handling bank (or auto consumption finance company) for consultation to see if you can apply for extending the repayment period and repay the arrears in installments.
However, if the customer owes little, it is estimated that it is difficult for the bank (auto consumption finance company) to agree. Customers can raise repayment funds in other ways, such as borrowing money from family and friends around them, paying off the car loan first, and then returning the money to relatives and friends.
Develop a good habit of paying back on time and try to avoid overdue situations. After all, overdue will bring bad consequences, and the overdue records on the credit information will be kept for at least five years after the customer pays off the debt before being deleted by the system.
Overdue car loans will also affect users' online black index scores, if the online black index scores are too low. The sub-scale of Cyberblack Index is 0- 100. The higher the score, the better the credit. When the score is less than 40, it belongs to the blacklist of online loans. The low score of the Internet Black Index will not only affect the success rate of online lending, but also affect the user's flower beds and loan amount, and even lead to the closure of flower beds and loans.
It is recommended to choose a formal platform loan. Qianhua is a loan product owned by Baidu Finance. Users need to fill in their Baidu account number and mobile phone number before applying for a loan. The maximum loan amount with money is 200,000, and the minimum annual interest rate is 7.2%. If you want to get a loan, you must first meet the basic conditions, that is, the user must be 18~55 years old, can provide the original of my second-generation ID card, and use the bank card in my name to collect and repay the loan. In addition, you must have the ability to repay, and you must not have a bad credit record.
References:
Du Xiaoman has money to spend on official website.