No online loan passes the audit even after being risk controlled. If a user's online loan account is risk controlled, the loan will not be approved. Risk control usually occurs when a loan account is risk controlled because the user's credit qualifications do not meet the loan's conditions, or the user uses the loan funds illegally or makes late payments. Being risk-controlled means that the user is a risk-controlled customer and the online lender will not lend money to a risky customer.
The user must first be released from the risk-controlled status to allow the online loan account to return to normal. Once the online lending account is restored, the user can apply for a loan. In addition, the wind-up of the online loan account is initiated by the system and must be unfrozen by the system afterwards. The system will evaluate the user's online loan account from time to time. After the assessment is passed, the account will be unfrozen automatically. If the assessment does not pass, you must wait patiently for the next assessment.
Accumulating a good credit history, ensuring good personal credit, and improving one's repayment ability can help users pass the system evaluation.
Where can you still borrow money if your online loan is wind-controlled
If only one online loan account is wind-controlled and the status of other online loan accounts is normal, the user can apply for a normal online loan account. All online loan accounts are subject to wind control, users can try to apply for bank loans, consumer finance loans or private loans. Bank loans and consumer finance loans are formal financial loans, users can apply as long as they meet the loan conditions.
As for private loans, users are usually required to provide a guarantor or collateral. If a guarantor or collateral cannot be provided, the user will not be able to apply for a private loan. There are many reasons why online loan accounts are subject to wind control. Users can try to solve the problem and then wait for the system to re-evaluate the account. If the account passes the evaluation, the windfall status will be automatically lifted.
Online lending accounts are subject to risk control, sometimes due to insufficient loan amounts from online lenders. As soon as the online lender's loan amount is restored, the online loan account will also be restored.
How to lift an online loan that is under risk control
Many online loans are not subject to central bank credit investigation, but it will affect the big data of online loans. Once affected by the wind control, it will still be greatly affected.
If you want to lift the wind control of online loans, it is best to pay off all the money owed. If you are suspected of usury, you can appeal to the court and negotiate to repay only the principal and legal interest. In addition, do not apply for an online loan in the last 6 months, no loan sharks.
It is necessary to remind that many people will listen to black intermediaries to cheat money, pay out money to wind control, basically useless.