Don't look at the credit, no car, no platform to borrow money. Because of the rapid development of the Internet and big data today, personal credit information plays a very special role in economic transactions. Whether it is a bank, a car loan institution or a loan company, as long as the relevant loan transactions are carried out, whether the credit information is good or not is a must-see indicator.

What are the platforms for non-performing loans?

Bank: If the credit information of loans overdue is not good due to non-human reasons, you can raise an objection and then request to modify the credit information record. Borrowers whose credit information is overdue for no more than 6 times in the past two years and for no more than 90 days in a row can qualify for loans.

Loan company: If the bank refuses to sign because of poor credit reporting, it can find some loan companies launched by licensed institutions to make mortgage loans. This kind of loan company's audit conditions are usually looser than those of banks, and the pass rate is relatively higher. For example, Ping An Hewlett-Packard, CreditEase and other loan companies have car mortgage services.

Car loan institution: If the overdue period is unintentional and the overdue circumstances are not serious, you can also choose a professional car loan institution. These institutions are specialized in car mortgage, and the approval conditions are relatively lower than the above two. If approved, the loan will be faster.