1. Update the loan platform. If the user thinks that the loan interest rate provided by the loan platform is too high, the borrower can choose to change the loan platform and re-submit the application by choosing the platform with lower interest rate during the application period. Generally speaking, the interest rate of loan products owned by banks is relatively low, and users can choose appropriate bank loan products according to their actual qualifications.
2. Improve personal comprehensive quality. The online lending platform will give the corresponding credit line and loan interest rate after comprehensive evaluation according to the user's credit record, property qualification, economic income and other qualifications. The better the borrower's qualification, the lower the loan interest will be. Therefore, in order to obtain a lower level of online loan interest, users should pay attention to accumulating good credit records in their daily lives, maintain good loan behavior when using loan products, and submit more financial assets certificates when applying for loans to improve their comprehensive qualification level.
3. negotiate repayment. If the borrower feels that the interest is too high and the personal repayment pressure is too high to repay in full and on time, he can take the initiative to contact the customer service of the platform and choose to negotiate to postpone repayment or meet some interest expenses. However, in the process of negotiating with the loan platform, users should provide real and reasonable negotiation basis, show their actual situation, and actively express their willingness to repay, so that the negotiation can be successful.
4. Refuse to repay. If the interest rate of online lending platform is illegal and the loan interest reaches usury level, the borrower can refuse to repay the interest expenses beyond the scope stipulated by law, and the user can ask the platform to refund the illegally paid interest.
Therefore, in the face of loan products with high interest rates, users can solve the problem through the above channels, and when applying for loans, they should also submit loan applications according to their personal needs and repayment ability, so as to avoid the bad overdue consequences caused by the inability to repay loans at maturity.