1. Contact the online lending platform: First of all, you need to take the initiative to contact the online lending platform to borrow money, explain why you want to postpone repayment and apply for an extension.
2. Provide relevant materials: According to the requirements of the online lending platform, you may need to provide some supporting materials to support the application for deferred repayment. These materials may include personal bank accounts, income certificates, etc.
3. Negotiate an extension plan: Once the online loan platform accepts your extension application, both parties will negotiate and formulate a specific plan for delaying repayment, including the extension time and repayment method. Make sure that you clearly understand and agree to this plan.
4. Confirm the extension agreement: After reaching the extension plan, you need to sign an extension agreement with the online lending platform and keep relevant documents as backup.
5. Fulfill the contract on time: repay the loan in time according to the time agreed in the extension agreement, so as to avoid overdue fees or adverse effects on personal credit records.
I suggest you go to Qingquan to get a personal credit big data report and have a clear understanding of your credit status. This will help you better understand your credit status and provide relevant supporting materials when negotiating with the online lending platform.