1. Customers can log in to the online merchant bank APP, enter the online customer service window, and contact the human customer service to negotiate.

2. Call the online merchant bank and contact the customer service staff for consultation. When applying for deferred repayment through negotiation, explain the current situation clearly, explain the reasons why you can't repay, and provide corresponding evidence; At the same time, remember to express your willingness to repay. After the demonstration, it will be decided by the online merchant bank.

How to apply for deferred repayment of online commercial loans: If you really encounter difficulties, you can call Alipay's customer service phone number and follow the prompts. When negotiating, state your financial difficulties as sincerely as possible, which may help you to apply for deferred repayment.

1. If the application is successful, Alipay will send a deferred repayment voucher to the Alipay account of the lender, and if there are several loans, several vouchers will be issued. Then click Use directly. The loan can be extended by 12 months, but the interest of the current month will be deducted this month, and all loans will be repaid from next month.

2. If the application fails, it means that repayment is required on schedule. If it is overdue, the penalty interest and credit information will be affected, and the next loan will also be affected. The penalty interest calculation formula for online merchants in loans overdue is: overdue bill amount (overdue principal plus interest) * interest rate * 1.5* overdue days (excluding the current day).

Can online commercial loans be extended through negotiation?

Online commercial loans can be extended through telephone negotiation. If the customer really can't afford it, he can call the online business loan application and call the hotline 95 188 to "3" for consultation.

When applying for extension of negotiation, you should first explain your personal situation to the customer service staff, explain the reasons why you are temporarily unable to repay, and provide relevant information to prove that you are willing to repay actively. Then you can try to apply for extending the repayment period and repaying the arrears in installments, and the online merchant bank will consider it as appropriate.

Online merchant loan is an operating loan launched by online merchant banks for small and micro business owners and individual entrepreneurs, which can meet the capital needs of users in the process of starting a business. The online merchant bank is an internet bank initiated by Ant Financial as the major shareholder. Not everyone can apply for online commercial loans. Online commercial loans only provide loan services for shopkeepers of Alibaba's major online shopping platforms, and credit conditions are very important.

Online merchant loan is not only a credit classification, but also a loan product. The credit classification of online merchant loans includes Ali credit loans, online merchant loans, Taobao/Tmall credit loans and AliExpress loans.

Online commercial loans have not yet been launched. How to negotiate to delay repayment?

If the user can't pay the loan when using the online merchant loan and wants to postpone the repayment, it is recommended that the user take the initiative to call the online merchant loan customer hotline and explain the specific situation before applying for deferred repayment. Under normal circumstances, the customer service will review the user after receiving the application. If the audit materials can be submitted for review, the probability of passing is higher.

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Of course, some users have no audit plan and may face audit failure. At this time, it is necessary to make repayment according to the original plan. If it doesn't go up, there may be a problem with credit reporting.

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I have to say that online merchants can apply for deferred repayment if the loan is not overdue. Once this happens, even if the application fails, it will often not affect the personal credit problem. If you can't help it, you can try.

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When ordinary users can't repay in time, they need to know the amount they owe, the penalty interest caused by overdue, and so on. Then take the initiative to explain the situation and show that you have the willingness to repay. But now there is a problem with funds, try to believe in your repayment ability and determine the extension plan.

What should I do if Alipay's online loan is temporarily overdue?

There are two solutions to the temporary overdue of Alipay online business loans. 1. You can call the customer service hotline to apply for postponement of repayment negotiation (in case of natural disasters and major disasters, you will not agree). 2. Borrow money from friends around you and return it.

The specific operation method is as follows:

1. Open Alipay, enter the main page of Alipay and search for online merchant loans, and click the pop-up window to enter the online merchant loan page.

2. Enter the online merchant loan page, click the FAQ at the bottom of the page to open it, enter my customer service page, and click the "Ask me questions" icon at the bottom to open it.

3. Flip the page and enter questions in the chat box. What about loans overdue, the online merchant? Follow the prompts to check the solutions of online merchants in loans overdue.

It should be noted that after Alipay's online merchant loans overdue, the platform will collect the payment, and then the overdue records will be uploaded to the credit information center. After personal credit information becomes bad, it will affect personal credit information and lead to the deterioration of personal credit information.

In order to avoid the loans overdue of Alipay online merchants, users must measure their repayment ability when handling loans, and know what kind of income they will use to repay. If the personal income is not much, they should handle the loan carefully. If individuals earn more, they can rest assured that they can borrow money.

It should be noted that Alipay's online merchants can't use it after loans overdue, and the loan will be kept for a long time after it is recorded. Usually, such overdue records will remain in the credit report for 5 years after the arrears are paid off, and will disappear automatically after 5 years, and will not be recorded in the credit report all the time.

Version information: Take Alipay 10.2.60.8000 version, Apple13 (iOS15.4.1system) and Huawei mate 40(harmony OS 2 system) as examples.