If the loan expires and is unable to be repaid, the user can negotiate with the bank to repay the loan in installments, or delay the repayment time, or even suspend the interest rate and suspend the loan. If the user wants the negotiation to be successful, the most effective way is to provide relevant materials indicating that the individual is unable to repay the loan. You can go to the village cadre or sub-district office to issue a certificate of financial difficulty. This will increase the chance of successful negotiation. But regardless of whether the negotiation is successful or not, we must actively solve the problem and cannot escape. The above is the relevant content about what should I do if I have no money to pay back my loan when it expires. Benefits of loans

1. Loans can relieve financial pressure: buying a car and buying a house in full is stressful, but if you take out a loan, the pressure will be reduced;

2. Loans can make money. If you have sufficient personal funds, but you still borrow loans, you will have some idle funds, which can be used for investment;

3. Let Keep funds liquid, especially in the early stages of starting a business, by taking loans so that you have extra money to face possible crises.

This article mainly writes about the knowledge points about what should I do if I have no money to pay back my loan when it expires. The content is for reference only.