When it comes to online lending, credit must be mentioned. But if the credit is not good, how can you get a loan?
Bad credit is mainly divided into the following three cases, we categorized.
The first situation, credit white households.
Some people say that bad credit is not worth a credit stain. Do white accounts count? Yes. The main point of the credit card is that those people who have a blank slate on their personal credit card. The first thing you need to know is that you have never used a credit card, and you have never taken out a loan. In this case, the lending institutions have no way to determine whether your personal credit is good or not, thus making it more difficult to get a loan.
If a credit white household wants to apply for a loan, there are generally two ways to do it: one is to provide enough material to prove that their qualifications are very good, to dispel the concerns of online lenders. The second is to find some of the lending institutions and online platforms that are not too strict on personal credit cards, and make loan applications.
The second scenario is that the number of credit inquiries is too high.
If your personal credit has been queried 4 times in a month, it will be more difficult for you to apply for loans and credit cards. The reason is very simple, if a short period of time, the credit has been queried many times, it will make the bank or lending institutions, think that you are very short of money during this period of time, and be considered as a risky user.
There is another kind of "blackout". If you apply for one, you will continue to apply for the second, and then the third. If you apply for more than ten a month and then continue to apply, the result is that the credit is queried many times, the more you apply for the more black, and you can no longer borrow money.
If you encounter this situation, we advise you to take a step back and apply again after a few months.
The third situation: serious overdue, credit stains.
The most common type of bad credit is late payment. Usually, if the number of overdue times is small, the amount is small, and then after the on-time repayment, no matter whether it is a bank or online lending platform, the loan will not be difficult.
If the late one after another, and the cumulative amount is large, then the loan is very difficult to pass.
The best solution at this time is to pay back the loan on time for a while, accumulate a good credit history, and then continue to apply for a loan after the bad record is eliminated. If you need money urgently, you can try some platforms that don't check credit.
Which online loan can borrow money in case of bad credit
With a bad credit record and bad credit, you can try these platforms: Zhaolian Good Term Loan, Jingdong Jinjiao, Money Flowers, White Cat Loan, Xinxiangtong, Tijianhua, Anxinhua.
You can try these several platforms with loose thresholds, it is recommended that it is best to raise credit for a period of time after the late repayment before borrowing, which will help to improve the rate of adoption, and raise credit during the period of control, do not go to any credit credit business, even if only checking the amount of credit not borrowing, do not know Cherry to do.
1, Zhaolian good period loan: Zhaolian financial launched a pure credit loan, the threshold is relatively low, to meet the basic borrowing conditions, with the ability to repay, the current no overdue credit bad credit also have a case of payment, the system automatically approves the release of funds, suitable for long-term capital turnover.
2, Jingdong Jinjiao: Jingdong Finance launched a pure credit loans, approved by the cooperation of the funding side of the lending, if the Jingdong big data is good, like often in the Jingdong shopping mall shopping white stripe, but also on time repayment, there are overdue has been repaid, in the Jingdong Jinjiao borrowing can be quickly approved and disbursed.
3, have money to spend: the degree of small full of finance launched pure credit loans, there are overdue has been paid off, you can borrow before the Baidu APP above the consumption, financial management, etc., slowly tired good rent accumulation background credit, and then go to borrow have money to spend the rate will be higher, provided that you have to meet the basic conditions of the borrowing, with a stable repayment ability.
4, white cat loan
The borrower's requirements are more relaxed credit loan, can be quickly disbursed, but also can be borrowed and paid back. The company's businessmen, who are 22 to 55 years old and have the ability to repay the loan, have no current delinquency and are not credit card black accounts also have the opportunity to pay off the loan. The maximum amount of 40,000, the loan period of the shortest 3 months the longest 12 months, it is best to borrow according to their own needs, so as not to increase the pressure of repayment.
How to get a loan with bad creditFive methods:
1, reduce the loan amount
If the credit is not good, there is a stable income of the customer to apply for is also relatively easy, if some of the income is not fixed or payroll bills as well as the source of funds have a different cycle, you can also try to get a loan through the reduction of the loan amount, not only to reduce the risk of bank , can also reduce the pressure to repay the loan.
2, increase *** with the repayer
Bad credit, you can increase the subject identity for home mortgage, such as if the husband and wife, father, mother, children and other relatives have good credit, you can make good credit as *** with the repayer to apply for repayment of the application together with the assumption of the repayment, only need to be together with the loan to issue a proof of income.
3, increase the loan guarantee institutions
Choose to let the bank recognized institutions as our guarantor, more for the guarantee institutions to provide some proof of repayment ability. For example, to provide a house, a car such as collateral to find a guarantee institution, so that you can improve the pass rate.
4, choose a local bank
Different banks, different loans, its repayment amount, repayment period, repayment method is also different, bypassing the state-owned banks with high credit requirements, choose a local commercial banks, because their credit requirements are generally lower than the other banks, which is also a good choice to improve the loan rate.