1. You can take the initiative to contact the customer service of the handling bank (lending institution, platform) to negotiate and try to apply for an extension to see if you can repay the loan in installments.
2. Pay attention to personal information when negotiating. After all, banks (lending institutions and platforms) will not easily agree to customers' application for extension unless customers really have no repayment ability. When explaining the situation, customers should also pay attention to providing corresponding proof materials, such as unemployment certificate and certificate of termination of labor contract. At the same time, I also want to express my sincere repayment ideas.
In addition, customers can raise funds from other channels. For example, they can try to borrow money from their family and friends around them, pay back the loan first, and then pay back the money to their relatives and friends when they have money (be careful not to use a card to pay back or borrow money).
If there is a guarantor for the customer's loan, when the customer is unable to repay, the handling bank (lending institution, platform) can also find a guarantor and ask him to repay the loan on his behalf.