Please click to enter the picture description (maximum 18 words).
When we need to apply for a loan, we find that the previous repayment or credit card use is overdue, so can we still apply for a loan? What platforms can I borrow money after the deadline? Next, Bian Xiao will take stock for you.
What platforms can I borrow money after the deadline?
When our credit report shows that there is no record of bad debts and compensation, and there is no overdue record for three consecutive months or six months, the general lending institution will pass our loan application. In order to prevent our loan application from being rejected, we can try to apply for a loan from the following accessible loan platforms without serious overdue.
1, 360 IOUs
360 IOU is a loan platform for individuals and small and micro enterprises under 360. It evaluates customers' credit based on 360 big data, and provides consumer loans that arrive quickly on this basis.
360 IOUs provide loans to Chinese mainland residents aged 24 to 55. Users need to submit information such as ID card, bank card and mobile phone number online when applying, and can apply for a loan with annualized interest rate of 7.2%, loan amount of 1 200,000 yuan and repayment period of 3 months to 24 months. 360 loan approval is fast and the threshold is low.
2. Zhaolian Finance
Zhaolian Finance is an Internet consumer finance company established by China Merchants Bank and China Unicom. The main online loan product is Zhaolian good-term loan, which can be borrowed at any time 24 hours and received in real time. According to the user's qualification, you can apply for a loan with a maximum amount of 200,000 and a maximum term of 36 months, with daily interest and flexible repayment. Users with excellent qualifications can also get interest rate concessions.
3, the degree of small full financial.
Du Xiaoman Finance is a formal financial company, backed by Baidu. Its personal consumer credit products include easy loans and privileged loans. Users apply online through the whole process, and the system will determine the loan amount and interest rate according to the user's qualifications. It has the characteristics of fast arrival, flexible loan, early repayment and installment repayment.
4. Ping An Consumer Finance
Ping An Small Orange Flower launched by Ping An Consumer Finance Co., Ltd. is a personal circulating consumer credit loan product. Users can apply online through the whole process and get a revolving loan amount of up to 200,000 yuan without mortgage. The loan interest rate is between 14%-24%, and you can borrow at any time for 24 hours, and you can also enjoy a certain amount of interest-free service for small consumption.
5. Stage music
Staging music is a consumption staging platform under Lexin. Submit the material application online, and the system will automatically approve the quota, the fastest 1 minute. The maximum loan for installment music is 200,000 yuan, and the interest-free loan within 30 days is 654.38+0,000 yuan. You can choose to repay in multiple installments.
6. Comfortable flowers
Anyihua is a loan platform under the immediate consumer finance company. Users can apply online, and the system will quickly approve according to their credit status. The annualized interest rate is between 7.2% and 24%, and the maximum loan is 200,000. The credit line can be circulated once, and the fastest loan is 1 minute. Repayment can be flexibly phased.
7. An Xinhua
An Xinhua is a loan platform independently operated by Chengdu Yunhe Network Technology Co., Ltd. Users can get approval quickly after applying online. The maximum loan amount can be 200,000 yuan, with an annual interest rate of 7.2%, and repayment can be made in installments for up to 36 months.
8. Good installment loan
Good loan installment is an online credit loan product launched by Dalian Zhongshan Deyunsheng Microfinance Co., Ltd., which is aimed at users aged 22 to 45. The review time is 3 minutes, and the loan is released within 10 minute. The loan amount is between 50 million and 200 thousand, the loan interest rate is between 7.2% and 24%, and the loan period is between 3 and 36 months.
9. Mei Tian loan
Mei Tian Loan is an Internet micro-loan platform, which has low requirements for customers' credit information during the audit, and is friendly to lenders whose credit information is rejected. The maximum approved loan amount of Mei Tian Loan is 50,000 yuan, with 30 days interest-free, the fastest loan 1 minute, and flexible installment. Mei Tian loan repayment period is short, suitable for short-term use.
10, banyan loan
When filling in the application materials, Banyan Tree Loan only needs my ID card information and telephone number, and will not inquire about the personal credit information of the lender. After the loan application is approved, the annualized interest rate is the lowest 12% and the maximum loan amount is 200,000. You can apply for multiple products by filling in the information at one time.
What are the platforms for overdue loans? Try these.
The question of "which platforms can make overdue loans" generally depends on the severity of overdue loans. The key point is that there can be no overdue loans at present, so loans can be made if the overdue repayment time does not exceed 30 days and the accumulated overdue time does not exceed 4 times. Of course, the length of overdue time and the number of overdue times are different for each platform. You can try the following.
What are the platforms for overdue loans?
1, JD.COM gold bar
Jingdong Finance's cash loan platform tailored for JD.COM users can borrow up to 200,000 yuan, and the annual interest rate is as low as 1: 00. The premise of application is of course that the user's credit is good, but it mainly depends on the user's consumption and shopping habits in JD.COM. If the spending power of shopping in JD.COM is good at ordinary times, even if the credit is overdue once or twice, you may get a loan.
2. Zhongyuan Consumer Finance
It is a formal financial institution loan platform approved by China Banking and Insurance Regulatory Commission. Online application, quick approval, the fastest 5 minutes to the account, pure credit, no mortgage, the maximum loan amount of 200 thousand, daily interest, daily interest rate of three ten thousandths, for ordinary users, advocate 7 days without reason to repay, which is to encourage users to rational consumption of the protection rights and interests.
3. Sorry
The cash loan platform under the Ant Group can directly enter the mobile phone Alipay-My Loan page, and you can check whether there is a credit line. If yes, it means that Alipay account is active, users have good credit and are eligible to open it. You can view and agree to the relevant agreements. After checking the credit information, the system can see whether the credit limit can be obtained and how much it is.
4.ABC Network Dai Jie
The credit consumption loan products launched by ABC can be applied online through the whole process of ABC's pocket life. The description of good credit status in the application conditions is that there can be no overdue at present, there is no record of overdue for more than 30 consecutive days in 2 years, and the cumulative number of overdue times in 2 years is no more than 4 times. Sit by yourself and you'll know if you can borrow it.
The above is about "What are the platforms for overdue loans?" I hope I can help you.
Which online loan can borrow money in the case of poor credit reporting?
If you have a bad credit record, you can try these platforms: Zhaolian Good Term Loan, JD.COM Gold Bar, Youhuahua, White Cat Loan, Xinxiangtong, Tiqianhua and Anxinhua.
You can try these platforms with loose thresholds. It is suggested that it is best to improve credit for a period of time after overdue payment, which will help improve the pass rate. Manage yourself not to go to any credit business during the credit period, even if you only check the amount and don't borrow money, I don't know what to do.
1. Zhaolian Good Term Loan: a pure credit loan launched by Zhaolian Finance, with low threshold, meeting the basic loan conditions and repayment ability. At present, there is no overdue credit and next payment, and the system automatically approves loans, which is suitable for long-term capital turnover.
2.JD.COM Gold Bar: The pure credit loan launched by JD Finance shall be approved by the co-funders. If JD. COM's big data is good. For example, if you often shop in JD.COM Mall, you can repay on time. If it has been paid off after the deadline, it can be approved quickly by borrowing from JD.COM Gold Bar.
3. Spend money: For the pure credit loan launched by Xiaoman Finance, if it has been paid off within the time limit, you can spend money on Baidu APP before borrowing money, slowly accumulate background credit, and then borrow money for consumption. The pass rate will be higher, provided that you meet the basic loan conditions and have stable repayment ability.
4. White Cat Loan
Borrowers are required to provide relatively loose credit loans, which can be lent quickly and repaid as they borrow. Office workers who have reached the age of 22-55, have the ability to repay, are not overdue at present and are not black-handed, and also have the opportunity to repay the money once. The maximum loan amount is 40,000 yuan, the shortest loan period is 3 months, and the longest loan period is 12 months. It is best to borrow money according to your own needs, so as not to increase the repayment pressure.
Where can I borrow money after the deadline?
If it is overdue, you can borrow money on platforms such as 360 IOUs and Suning's willful loans, or you can try some online loans with lower thresholds.
First of all, we must recognize the fact that if it is overdue at present, we will be rejected if we apply for a loan from a bank or a formal loan company. Because these lending institutions will check the borrower's credit status, even if the overdue loan is not collected, it may be recorded in the online loan big data, so the chance of successfully applying for a loan is very small. Now there are more and more channels for people to borrow money when they are in urgent need, such as banks, online loans and lending companies. Can provide loan services, but after borrowing money, you must repay it on time to avoid overdue. So, where can I borrow money after the deadline? Let's take a look.
Generally speaking, it is difficult to apply for a loan after the deadline, because many lending institutions attach great importance to the borrower's credit information and require good credit. Although some customers with overdue records have taken tolerant measures, 90% of them will be rejected if they are overdue and found by lending institutions. If you need money urgently, you can entrust a guarantee company recognized by the bank to provide credit guarantee and apply for a bank loan.
The intervention of the guarantee company will transfer the risk of bank repayment to the guarantee company and improve the success rate and efficiency of the borrower's loan application. If the guarantee company has the products of the agent bank, the borrower can also enjoy the low-cost loan scheme. If the current overdue behavior is found, the borrower must make up the overdue money in time, and then explain to the bank the reasons for his overdue, make it clear that he is malicious, let the bank see your willingness to repay, and see if you can issue a non-malicious overdue certificate. This is a solution, but it will be more troublesome and time consuming. In addition, it is also a solution to talk about it after paying off the arrears, to maintain a good credit record, and to apply for a loan after the new record covers the old credit record. Generally speaking, as long as users are not often overdue and can provide sufficient proof of repayment ability, they can apply again without waiting for a long time.