As we all know, the bank loan threshold is high, the loan procedure is complicated and takes a long time. With the development of internet finance, the birth of online lending platform has completely solved these problems, and borrowers can apply for loans through mobile phones.

However, online lending has always been accompanied by controversy, because online lending has stimulated some people's desire for consumption to a certain extent. If they spend irrationally, they will easily fall into the abyss of online lending. So, in the face of this situation, how should borrowers go ashore?

1, actively face the debt problem and can't escape the debt.

After owing the online loan, regardless of the amount, the borrower should face it positively and bravely, because avoiding the loan can't solve the problem, and avoiding the loan will only make the borrower owe more and more.

Because online loans need to pay interest, if the borrower fails to pay back for a long time, the overdue fee is not small;

2. Actively negotiate repayment with the online lending platform.

If it is difficult to repay after owing online loans, it is recommended to actively contact the online loan platform to negotiate repayment, so as to extend the repayment period and preferably reduce part of the loan interest.

General lending institutions will not agree to negotiate with the online lending platform to reduce interest, but if the borrower is really unable to repay the arrears, some online lending platforms may agree to negotiate with the borrower in order to recover the arrears;

3. Work hard, increase revenue and reduce expenditure, and repay the debts.

In order to repay the arrears, the borrower must have a stable source of income, so after the arrears, the borrower needs to have a stable job. During the repayment period, it is recommended to save money, which will help borrowers get rid of debts as soon as possible.

4. Confess your debts to your family and ask them for help.

If the borrower owes a large sum of money and it is difficult for him to pay it off, then the borrower should explain his debt to his family as soon as possible and ask them to help him repay it together.

In addition, you can also borrow money from relatives and friends around you, pay back the arrears of the online lending platform first, and then slowly pay back the money to relatives and friends later.