There must be a reason why many loan platforms can't lend, such as whether personal credit information is tainted, whether there is no platform willing to lend, whether loan applications are too frequent, and whether there is a risk of not paying loans if the debt ratio is too high. You have to know that many loan platforms can share big data, so you have to figure out why you can't lend before you know what to do.
The loan conditions of the loan platform are nothing more than these points. With good personal credit, stable work income and repayment ability, he is an active person in the loan platform. Then we will analyze what to do if we can't borrow money from these three aspects.
1, keep personal credit.
The credit has been spent, and there is no other solution, only time can be used to prove that personal credit has become better.
Generally speaking, the negative record of overdue payment can only be eliminated after five years of payment.
In other words, pay off the overdue money first, and then maintain the credit within five years, and you can change it without any stain to facilitate the passage of the loan in the future.
2. Work hard and plan financial management.
It is impossible for an excellent young man not to work. As long as he has not reached retirement age, he should continue to work hard for a serious life or the value of life.
Once the income from work increases, don't be extravagant. You should leave room. It is suggested to think about financial planning to increase the value of your money, at least to preserve it.
This will not only show your income repayment ability, but also use wealth management assets as a guarantee for your loan.
3. Become an active member of the loan platform.
Many loan platforms have their own consumption background. For example, the background of borrowing money is that Alipay should be active, and the background of micro-lending is naturally an active user of WeChat. The background of JD.COM gold bars is the shopping platform in JD.COM.
Assuming that your Alipay account has not been logged in for many years, chat transfer, living payment and wealth management shopping are all through WeChat, then you can borrow micro-loans. Why did you lend money to a stranger? Similarly, if you only visit Taobao or Alipay, the shopping platform in JD.COM is basically unnecessary. Why can JD.COM Gold Bar provide you with cash loan service? Anyway, you have no shopping needs in JD.COM.
Therefore, choosing a suitable loan platform and becoming an active member of the loan platform can greatly improve the loan pass rate.
The above is about how many loan platforms can't get loans. If you really need money badly and have no time, you can only find family and friends to save you.
What if you are very short of money and can't get a loan?
Path: 1. Borrowing money from relatives and friends can be exempted from paying interest, but when borrowing money, you must promise the date of return. 2. Applying for online loans, compared with the strict requirements of bank loans, online loans have lower requirements for personal qualifications. 3. Mortgage loan, compared with credit loan, the success rate of mortgage loan is relatively high.
There are many platforms for online lending, such as lending treasure, 360 IOUs, micro-loans, online business loans, micro-loans and so on. It should be noted that the loan amount given by such platforms is not very high, but after the loan is returned on time, the subsequent credit amount will increase, and more money can be borrowed at this time.
When you apply for a loan on an online platform, you can compare different platforms, so that you can know which platform provides a low loan interest rate and the loan amount meets your own needs. The interest paid after borrowing on the platform with low borrowing interest rate is relatively low, which is conducive to subsequent repayment.
Users can't repay their online loans after the deadline, because there will be penalty interest after the deadline, and the platform will collect them after the deadline; Finally, after the deadline, the platform will be uploaded to the credit information center. When the personal credit information becomes worse, it will affect the application of various loans. After the arrears are returned, they will remain for 5 years and disappear automatically after 5 years.
What should I do if I need money badly and can't get a loan?
If you need money badly and can't borrow it, you can try a mortgage.
?
Mortgage means that the mortgagor and the creditor conclude an agreement in writing not to transfer the possession of the mortgaged property, and take the property as the guarantee of the creditor's rights. This method is very reliable when money is badly needed. You can use your non-fixed assets as collateral, such as cars, jewelry, antiques, etc. , in order to get some liquidity.
Extended data:
What other financing channels are there besides mortgage?
In addition to borrowing money from mortgage, you can also consider borrowing money from relatives and friends (if there are many friends around you, this method can also be regarded as an emergency measure), handling credit cards, using flowers, JD.COM white bars and so on. Even if you don't apply for a loan, there are many ways to borrow money. The key is whether you have the heart to find a way. But remind everyone that if you borrow money, remember to pay it back on time.
What if I can't borrow urgent money anywhere? Find out the reason first
Now there are countless loan platforms on the market, most of which are credit loans, and the whole process can be directly operated online without mortgage guarantee. Although the threshold of each platform is different, there is always one who can borrow money. But it does not rule out that some people have applied for many platforms but can't get loans. What should I do if I can't borrow money anywhere in such a hurry? Let's analyze it today.
What if I can't borrow urgent money anywhere?
You can't borrow urgent money anywhere, so it's better not to borrow it for the time being. Find out the reasons first, mostly because of my poor qualifications, such as the following situations.
1. Personal credit failure: Now many formal loans are connected to the central bank's credit, and the approval will check the credit. If the credit is not passed, it will definitely not lend. Although different loan platforms may have different requirements for credit reporting, there are definitely overdue debts at present, and there is no chance for those who are overdue for three or six times in two years.
2. There are arrears on multiple platforms: if four or five loans have not been settled, they may not be able to borrow any more. One is already a multi-head loan, with high risk and impure loan motive. Maybe they want to raise loans with loans, and no one wants to pass the risk on to themselves. Nine times out of ten, they will refuse to borrow money.
3. The basic conditions are not met: for example, some lenders are students although their age meets the requirements, and the formal platform will not lend money. Some time ago, a policy was introduced to prohibit small loan companies from issuing loans to college students. What's more, I can't provide my valid ID card, real-name registration system mobile phone number and my bank card.
The above is "What should I do if I can't get the emergency loan?" I hope it will help everyone.