1. There are many online loan points, indicating that the current credit inquiry has been spent. It is difficult for you to apply for a bank credit loan. Then there are three situations.

First: If there are other property assets in the name, such as a house (full payment or mortgage) or a car (full payment or mortgage), there are appropriate ways to get the money. That is, mortgage, in the case of having a house and a car as collateral, because its value is there, it can provide you with a loan amount. In the case that the bank cannot mortgage, there is institutional mortgage.

Second: at present, if the funds are not particularly urgent, you can keep your own credit report, and don't apply for loans and check the amount. Follow the principle of "no more than three loan inquiries in three months and no more than six loan inquiries in half a year", for example, take photos and keep your credit information, and then apply after a while if your conditions permit.

Third: you can make a credit report in the mobile banking APP, and then find a reliable local financial intermediary to pay the service fee. Depending on your current situation, whether there are corresponding financial products to do, this method is simple and efficient, and they will give you professional advice. If you can handle it, you should be able to accept the service fee for the intermediary yourself.

What do you mean by the number of inquiries?

There are too many applications for online loans, and the comprehensive score is insufficient. Where can I borrow money?

If you apply for a loan, it is recommended to handle it through formal channels, such as banks. It is suggested to apply for online loan of Agricultural Bank of China: online loan is defined as a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China in cash, which can be applied by itself, quickly received, automatically approved and used by itself. Application conditions:

1, a person who has reached the age of 18 and is under the age of 60, has the nationality of China people and has full capacity for civil conduct.

2. Hold valid identity documents.

3. Our online banking customers have security authentication tools issued by our bank.

4. Good reputation,

5. There is no outstanding credit line or outstanding balance for the 5.NetJet loan.

6, stable income, the ability to repay the loan on schedule.

7. The purpose of the loan is reasonable and clear.

Netjet loans can be handled through online banking and mobile banking of Agricultural Bank of China. The application amount is 3,000 yuan to 300,000 yuan, and the application, approval and loan can be completed in a few minutes.

Extended data:

The reason why the comprehensive score of online loans is insufficient is that users have a low score on the Internet Blackness Index, thus becoming blacklisted users of online loans. The sub-scale of Cyberblack Index is 0- 100. The higher the score, the better the credit. When the score is less than 40, it becomes a blacklist of online loans.

There are only two situations that can affect the score of Internet Black Index. One is that there are too many applications for online loans recently, and the other is that online loans are overdue in the past three months.

If you want to restore the normal network black index score, you need to wait patiently for 3-6 months without applying for online loans, and the network black index score will gradually return to normal.

Therefore, it is suggested that those who apply for online loans for a long time must check their online loan black index scores in time to prevent online loan applications from becoming blacklisted online loans.

There are too many online loans. Where can I borrow a loan if I refuse it?

There are too many online loans, and users can apply for loans offline. The data of online loans are generally recorded in big data, such as users' application records, repayment records and overdue records. Will be recorded. Online lending institutions will use big data as a means of risk control. When users have long-term loans, it is easy to be refused loans. At this time, users can apply for offline loans. Offline loans mainly refer to users' credit records, not to users' online credit records.

Of course, if the online loan is credited by the People's Bank of China, it will also have an impact on offline loans.

There are too many online loans, and users can apply for loans offline. The data of online loans are generally recorded in big data, such as users' application records, repayment records and overdue records. Will be recorded. Online lending institutions will use big data as a means of risk control. When users have long-term loans, it is easy to be refused loans. At this time, users can apply for offline loans. Offline loans mainly refer to users' credit records, not to users' online credit records.

Of course, if the online loan is credited by the People's Bank of China, it will also have an impact on offline loans.

This is the end of the introduction on how to get a loan, and where to get a loan if there are too many online loan applications. I wonder if you have found the information you need?