1, repair credit and then borrow money.

The borrower is borrowed on the credit of the network loan, borrowing more will make the credit to spend, it is recommended that the first temporary stop for other credit business, during the period of credit business has been handled on time repayment, and so on 3 months after the credit repair almost go to borrow money, borrowing risk is reduced, the ability to pay back the problem, the probability of being able to borrow money.

2, close the online loan and then borrow money.

The borrower borrowed more than one online loan and are on the credit, the number of 3 is more than one loan, in the case of more funds in hand, try to settle part of the online loan, the number will be reduced to less than 3 after at least one month to go to the loan to borrow money, there is no bad credit record, with a stable solvency, or can borrow money.

3, reduce debt and then borrow money.

Borrowers online loan borrowed more but did not overdue, you can first through repayment of credit on the arrears to reduce a part of the overall debt ratio down to less than 50%, and then go to borrow money can also be borrowed, after all, the debt is reduced equivalent to improve the ability to repay, borrow money will naturally be easier.

4, provide collateral to borrow money online loan borrow more easily by the lending institutions to question the repayment ability is not, that the borrower has a relatively high risk of borrowing.

But the borrower can be the name of the assets mortgaged to the lending institutions to borrow money to reduce the risk of borrowing, the probability of still being able to borrow money, the maximum amount can be loaned to the collateral appraisal price of 80%.

5, looking for private borrowing / private lending.

For example, find friends and family around, or some individuals engaged in lending to borrow money, even if the probability of borrowing more online loans can be borrowed, but private lending money belongs to a kind of private lending, you need to sign a good lending contract, within the legal interest rate agreed interest rates, generally can be higher than the bank interest rate, but can not be more than the bank of the same type of loan interest rate of four times.

6, find someone to do security to borrow money.

Internet loans borrow more, you can go to the bank or some lending institutions to borrow money offline, find a stable residence in the local area, strong economic strength, good credit friends and relatives, to provide my name assets as a guarantee to their own loans, and *** with the repayment of the responsibility, because of the reduced risk of borrowing the probability of borrowing money as well.

7, let others help borrow money.

For example, let the excellent qualification of friends and relatives to go to the loan to lend money to their own use, or to help themselves to find other people to borrow money and then transferred to their own, they are only responsible for the repayment on the line.

As long as the other party can loan successfully, or borrow money successfully, is equivalent to their own indirect borrowing success.

8, *** with loans to borrow money.

There are a number of loans that support two people *** with the same loan to borrow money, online loans to borrow more than you can participate in the identity of the sub-lender loans, by the well-qualified other people as the primary lender.

Lenders will focus on reviewing the qualifications of the primary lender, as long as the primary lender passes the audit, the secondary lender to meet the basic borrowing conditions, credit, repayment ability to pass on the line.

If the online loan itself is is non-compliant, then this type of online loan late, there is no impact on your personal credit status, but the online loan record will remain in the online loan big data. Find out: Pei Tip Quick Check to see your online loan history, online loan overdue details, debt situation, lost credit information and online loan blacklisting information.

Expanded information:

Do you have to pay back your own loan if you were unknowingly loaned money online?

If you have taken out an online loan without your knowledge by someone else using your identity, you are not liable for repayment.

People need to pay attention.

1, borrowing since not by myself, then I naturally have no obligation to repay.

2, if the online lending platform to call, directly to the other side of the truth, and then you can apply for the termination of the lending relationship, the other side if you want to recover the money, so that they go to the impostor borrowing money to pay back the money.

3, if they explain that they are unaware of the online lending platform ignored after the online lending platform, still keep calling, you can collect relevant evidence to the local CBRC or China Internet Finance Association to report.

And personal information leakage of serious cases, if necessary, you can also report to the local public security departments to deal with.

If the dispute is not clear, you can file a lawsuit with the local people's court.

It is recommended that you pay attention to personal information, especially ID cards do not just hand it over to others, and once the ID card is lost, be sure to go to the first time to make a replacement, so as not to accidentally leak the information, resulting in security risks.