Loan customers can be found through different channels, offline: office buildings, telephone companies' finance departments, publicity around the community, wholesale markets, agricultural products markets, electronic markets and other professional markets.

Online:

Telemarketing: telemarketing through real estate agents, banks and automobile 4S shops to obtain customer resources.

Classified information websites: Tongcheng, Jiji.com, Baixing.com and other 58 information publishing platforms publish information.

Social platforms: WeChat circle of friends, etc.

In addition, there are mainstream video apps and advertisements.

When issuing loans, borrowers need to meet certain conditions. For example, individuals need to submit valid identity certificates, bank accounts, work certificates, loan application forms, etc. When the loan is submitted, the bank will review it, and after it passes, the loan can be made.

When an individual applies for a loan, he can choose the repayment method of average capital or equal principal and interest, which is generally determined according to his own income. When his personal income is relatively large, he can choose the average capital. If his personal income is relatively small, he can choose the repayment method of equal principal and interest, and he can return it in advance after handling the loan.

Individual users must repay the loan on time after handling it, and there can be no overdue repayment. Because there will be penalty interest after the deadline, the longer the time, the more penalty interest. Moreover, after the overdue period, the bank will collect the overdue records and upload them to the credit information center, which will lead to the deterioration of personal credit information and affect the re-application of subsequent loans.

Where can I find customer resources for loans?

Cooperative organizations, customer service groups and public resources.

Customer resources of loan business can be obtained from the following aspects:

1. Through their own customer base: For some loan companies, they can obtain loan customers from their own customer base. For example, banks can get loan customers from their own savings customers, and trust companies can get loan customers from their own investment customers.

2. Cooperative institutions: You can cooperate with other institutions to obtain loan customers from the customer groups of cooperative institutions. For example, you can cooperate with real estate agents to obtain loan customers from the intermediary's customer base.

3. Online channels: online channels can be used to obtain loan customers. For example, you can carry out loan business on the online platform and accept online applications.

4. Public resources: loan customers can be obtained from public resources. For example, we can get information about loan customers from government departments and industry associations.

Generally speaking, there is not a single channel to obtain loan customers. We can choose the appropriate channel to obtain customer resources according to the actual situation.

How do loan companies find customers?

1. Find some valid phone numbers through your own channels, make strange phone calls, conduct telemarketing, and introduce yourself as a lender by phone. Pay attention to polite language when making a phone call, and don't disturb others when they are resting.

2. Send messages by mobile phone, edit the short messages of your business in advance, send them to others in groups, and spread the net widely.

3. Go to the street, go to crowded places, and send your company's publicity page. Remember to leave your phone number on it. Remove the company number, and others can contact you directly if necessary.

4. Sweep the floor and promote your business by going to some office buildings, office buildings, residential quarters and other places.

5. Cooperate with some parking lots. Hang your own business billboards and your own contact information in parking lots and other places.

6. Start the circle of friends and classmates around you and let them introduce you. If you succeed, you can give some benefits to your friends and classmates. Please eat, etc. And the way is your own.

7. Cooperate with classmates from other companies. For example, if a person doesn't have enough money to borrow from other companies, he can go to his own company to refinance through the introduction of fellow salesmen, and then return the commission to the introducer.

8. Promote business through media, such as Weibo, WeChat, QQ Space, QQ and other channels.

9. The other is to serve the well-developed customers and then carry out secondary sales. Old customers with new customers, comprehensive promotion.

10, purchase customer list and conduct telephone sales. Real estate agents, decoration companies and bank customers may all be your loan customers. After obtaining the customer list through these institutions, customers can be developed by telephone, SMS, WeChat, etc.

1 1. Search for phone numbers on various websites. Various industry websites, such as manufacturing, catering, clothing, jewelry and other websites, can find the phone number of the business owner and then call the customer.