1. If the online loan is rejected and the money is urgently needed, the customer can try another online loan product, and maybe this online loan can successfully borrow money. Of course, if you apply for several online loans and are rejected, it may be that you have recorded personal bad behavior in big data. As a result, it is more difficult to successfully apply for online loans. After all, information is interoperable between many platforms.

2. In this case, you can try to apply for a loan at the bank. Because banks generally measure the credit status of customers by reviewing their credit reports, rather than evaluating them through big data. Therefore, as long as the customer meets the loan conditions proposed by the bank and the personal credit is good, there is a chance to apply for a bank loan. Of course, compared with online loans, bank loans have stricter conditions and are not so easy to apply for. In fact, personal credit is important. Maintaining a good credit will bring a lot of help to customers in handling loans and credit cards. On the contrary, if personal credit is not good, it will cause many obstacles.

introduction of online loan:

1. online loan, mbth is Internet lending, and p2p online loan is the abbreviation of online loan, including individual peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. The number of online lending platforms grew rapidly in China in 212, with about 35 active platforms so far, and the total number had reached 3,54 by the end of April 215.

2. In September, 219, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of Credit Information System in P2P Online Lending, which supported the P2P online lending institutions in operation to access the credit information system.

3. the essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks, such as concealment, contagion, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet finance innovation. By encouraging innovation and strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement supervision responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and illegal behaviors. What should I do if frequent online loans are rejected and I need money urgently?

Applying for dozens of online loans shows that borrowers apply for online loans very frequently. Even if they are rejected and don't borrow money, it doesn't mean there is no impact. In particular, the borrowed online loans are all on the credit report. When the application is checked, there will be dozens of loan approval records in the inquiry record.

in this case, if you want to borrow money through a loan again, the possibility of being rejected is very high. Many regular lending institutions find that there are so many hard inquiry records when checking credit information, and whether there are corresponding lending records in the credit records shows that the borrower failed to apply for online loans, which will be associated with the reasons for the borrower's failure, such as poor repayment ability and high loan risk, and will not easily grant loans.

unless the borrower borrows money from some lending institution that does not check the credit information, it is possible to approve it. However, this kind of lending institution is very risky, and it is easy to encounter routine loans and usury, which will cause great economic losses to borrowers, and the consequences are unimaginable. It is recommended not to borrow it easily.

It is suggested that borrowers should obtain funds through other methods, such as borrowing money from relatives and friends and realizing the assets under their names by mortgage. If it is really not feasible, they should wait for the credit conditions to improve before borrowing money from some platforms with low thresholds, such as 36 IOUs, JD.COM Gold Bars, IOUs and Xiaoman. Usually, borrowers have no serious bad records and have stable repayment ability, which is somewhat hopeful.

The above is the related introduction of "I applied for dozens of online loans, but now I am in urgent need of money". I hope it will help everyone. Where can I borrow money if I refuse online loans

If a user's loan application on a certain online lending platform is rejected, then the user can try to apply on other platforms.

the key to whether an online loan can be paid after being rejected depends on the personal information and credit status of the applicant. If the personal information does not meet the loan conditions and the credit is not good, it will be difficult to apply for a loan again.

The reasons for the rejection of online loans are as follows:

1. The application conditions for platform loans are not met, such as the age of the applicant does not meet the requirements.

2. The applicant's credit is poor, and there are overdue or other bad records in the credit report.

3. In the submitted information, if the mobile phone number or bank card is not used by the person, it will generally be rejected. The online loan is rejected, what should I do if I need money urgently?

1. In this case, if there is no problem with the credit information, first consider the bank loan. Users can try to apply for a bank loan. Online loans are mainly based on online credit information, and bank loans are mainly based on the credit information of the People's Bank of China.

if the online loan that the user applied for before is not checked for credit or credit, all the previous loans will be rejected, which will not affect the user's application for bank loans. To apply for a bank loan, in addition to the overdue record of users' credit information, they also need to have a stable job and income and strong repayment ability.

2. If there is any problem with credit reporting, only relatives and friends can be considered.

Extended information:

Common reasons for the rejection of online loans:

1. Bad credit records on other platforms; Bad personal credit is an important reason for the rejection of online loans. At present, many platforms have large databases, and generally * * * institutions will make inquiries when approving loans. If users are found to have bad credit records on other loan platforms, such as overdue repayment, they may refuse their loan requests to avoid lending risks.

2. The bank has insufficient flowing water; If you apply for a loan in a bank, the running water of the bank is a very important reference factor when handling the loan. Banks mainly evaluate users' repayment ability according to running records to determine whether they have stable income. If the user has no or little bank flow, it will lead to the failure of refinancing.

3. Its own debt ratio is too high; If the last loan amount is not repaid, if you borrow again, your debt ratio will continue to increase, resulting in greater repayment pressure for users. In this way, banks will not be willing to lend money when they comprehensively consider repayment.

4. The applicant's information is incorrect; Many loan applicants fill in the wrong information or fill in the information at will when applying for online loans, so the platform will strictly review the loan application materials submitted by individuals. Once the borrower's own situation is found to be inconsistent with the information filled in, he will directly refuse the loan.

5. Basic personal information; Although online loans belong to online loans, there are hard requirements for the applicant's conditions. Minors certainly can't get loans, and users who don't have certain repayment ability can't apply for loans successfully. Therefore, before submitting a loan application, it is best to understand the conditions of the loan and confirm that the conditions are met before submitting the application. The success rate will be higher!

Although it is relatively easy to apply for online loans, it is inevitable to be rejected if the above situation occurs. So you should sort out your actual situation and prepare the corresponding application materials. Never borrow money indiscriminately, regardless. That will only make your big data more colorful, and it will also have a certain impact on your personal credit information. Be careful.