It is possible to cancel, but according to the actual situation. If there is no next payment and the audit call has not been made, then make it clear during the audit before canceling. In the second case, if there is no payment, but your friend answers the audit call, you need to call the customer service of the loan platform immediately to explain the situation, and don't let the loan payment be cancelled in time.

First, different channels of loan cancellation methods:

1, bank loan

Generally, if you apply for a loan in a bank, you can apply for account cancellation before lending. Specifically, if the loan contract has not been signed, the applicant can directly terminate the loan application. If the loan is under approval, the applicant can apply to the account manager to terminate the loan approval process. If the applicant cancels the loan after approval, he must pay liquidated damages, which will affect his personal credit information. If the loan has been paid in place, the applicant can only make preparations for prepayment.

2. Mobile phone microfinance

Mobile phone loans can also be cancelled. As long as the next payment is successful, you can contact the customer and apply for cancellation of the loan. However, if the loan is successful and enters the stage of fund matching, it will be more troublesome for the applicant to apply for cancellation of the loan. General lending institutions will default to the success of the loan, and the lender can only repay in advance at most, and there will be loan records and credit information. Some lending institutions will agree to cancel the loan, but the applicant must pay liquidated damages.

Two. Precautions for canceling loans

In short, it is troublesome to cancel the loan application after approval. First, it is time-consuming and laborious to report personal information at the loan application stage and cooperate with the telephone call back. Finally, the cancellation must be approved by the lending institution. Therefore, everyone should think twice before applying for a loan, and don't work in vain at last.

References:

People's network. Link: Can I still settle the account after handling the loan?

Borrow, borrow, borrow for two days, and it has been in the process of borrowing. What should I do? How can I cancel it?

You can't cancel the loan through Ant Financial, because the loan means that the loan has been successful, but the funds have not yet arrived. If you choose to lend the balance of Alipay account, you can realize the real-time receipt of funds. If you lend a bank card, it is expected to arrive within two hours.

Although the loan cannot be cancelled after success, you can apply for early repayment on the loan page. There is no need to charge other fees for prepayment except for a certain daily interest.

Extended data:

The following conditions will affect the accounting time:

1. Lend money to Yu 'ebao: Generally, as long as the loan is successful, most of the money lent to Yu 'ebao will arrive in real time, and there will be SMS notification when it arrives, so you can keep an eye on the SMS dynamics at any time. Or directly log in to Alipay APP- My Balance Inquiry Account Receipt;

2. Borrowing money from the bank card: This is mainly determined by the time when the bank arrives. Generally, the account may arrive within two hours or the next day. Here, it is suggested to choose bank cards such as Industrial Bank, Minsheng Bank and China Merchants Bank that can be received on the same day as payment cards.

But no matter what kind of collection account it is, you can also see the expected arrival time of this loan at the bottom of the account. If you don't arrive at the account within the expected arrival time, it is recommended to check whether your Alipay status is normal, whether the submitted payment account status is normal, and whether the provided bank card information is wrong.

After the loan is approved, I don't want it. How to cancel it?

First of all, answer directly.

If the loan cannot be cancelled after success, the borrower shall repay the arrears of the month on time every month as agreed in the contract.

Second, the specific analysis

However, if there is no demand for loan funds, the interest will be calculated on a daily basis if the money is placed in the card. Instead, it is better to apply for a one-time settlement in advance.

Although it is necessary to pay fees for early settlement of loans, compared with timely repayment, the interest cost to be paid is still less, which is also a timely stop-loss method.

Please register: Winnie Hsin. Click "Query" and enter information to query your own credit data, including personal credit status, Internet black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.

3. Can the loan be cancelled if it is useless?

After the loan application is submitted, it is necessary to determine whether it can be revoked according to the audit results.

1. The application was successful.

The borrower can check the approval progress on the loan platform first. If the loan is unsuccessful, it is suggested to call or contact online customer service immediately and ask for cancellation of the loan. After receiving the application, the loan platform is likely to cancel the loan directly.

However, if the loan is cancelled before the loan is cancelled, it will inform you that the loan is successful, and the system has already transferred the loan money to the borrower's collection bank card, which means that the transaction has been completed, even if the borrower has not used the money, it cannot be cancelled. It is necessary to fulfill the repayment obligation in accordance with the contract and pay the corresponding expenses.

2. Application failed

After the borrower submits the loan application, he can cancel it only after notifying that the loan application has failed, and there is no need to cancel it voluntarily.

After all, the loan fails, and the loan relationship between the borrower and the loan platform is not established, so there is no need to bear corresponding responsibilities and obligations.