65438+ and the loan you applied for this time, if you want to pay it back, but it has not been released, there is no reason for the customer not to pay it back.
After all, it is unreasonable for the customer to repay the loan before the loan is approved. In this case, customers should be cautious. It is likely that the platform for applying for loans is not very formal. Customers had better collect evidence and report the platform to the local CBRC or Internet Finance Association to avoid being cheated and losing personal money.
3. It should be noted that any formal lending institution or platform will not charge customers before lending. If a lending platform charges itself before lending, the customer shall not give money for any reason (such as deposit, membership fee, handling fee, service fee, etc.). ). Don't borrow money on this platform after that. If you need funds, you can apply for a loan from a formal platform with a financial license.
What are the consequences of online lending?
1, high penalty interest and liquidated damages
High penalty interest refers to the lender's failure to repay the amount specified in the loan within the specified time limit, so as to calculate the related high overdue penalty interest. The longer the debtor extends the overdue period, the higher the agreed interest, but no matter how high it is, it cannot exceed the legal scope stipulated by our laws. If the loan is not repaid, the lender will be required to pay the corresponding liquidated damages. Therefore, it is best to develop good repayment habits to avoid causing more problems in the future.
2. Credit damage
If the loan is not repaid, it will also affect its credit. Now many banks and online lending companies have adopted the * * * enjoyment system. Borrow money from banks or online lending companies and don't pay it back. Then it is possible that other online lending companies or banks know that you owe the loan and don't pay it back. If you want to apply for a loan in the future, it will be difficult or even impossible to get a loan. Because your credit information has been damaged.
3. being harassed by various means.
If the loan is not repaid, it may be harassed by the online loan company. Sending text messages and calling relatives of borrowers or lenders 24 hours a day is still a light act. Some online loan companies will outsource the collection to professional companies that specialize in dunning. These professional dunners have various dunning methods, and sometimes even the "violent collection" behavior of dunning companies will lead to family breakdown.
What's wrong with paying back the money?
It is obviously a scam to pay back money and not lend money on online loans. This kind of lending institution does not need to be in charge. It is best to cancel the account or report the loss. It is recommended to go to the formal platform when you need money for loans urgently, and not to the unreliable platform. It is easy to be deceived.
What's wrong with paying back the money?
If a customer applies for a loan on the online platform, but the system shows that the loan has not yet arrived, but the system shows that the loan needs to be repaid, it is suggested that the customer directly give up the loan on this platform, apply for a new loan on other loan platforms, or directly cancel the loan account number of this platform.
The reason why this happens is that it is very unreasonable to pay off the loan before it arrives. Any formal lending platform with a financial license approved by the CBRC will generally not charge any fees to customers before the loan funds arrive.
Therefore, customers must not repay, otherwise it is easy to fall into a loan scam. After paying back the money, the platform will still not borrow money, but will directly "roll the money and run away". Even if the loan is made later, most of the money paid in the past will not be refunded. In fact, it is equivalent to the platform charging "beheading interest".
Moreover, it should be noted that to apply for new loans on other platforms, you need to find a formal licensed consumer financial institution, and don't borrow money from unknown microfinance companies.
How to solve the problem of online loan fraud but pay back the money?
If the online loan clearly does not pay, but the platform still asks you to pay back the money, then ignore it. Those who have to repay the loan before it is approved are most likely to encounter fraudsters. In the formal online lending platform, there will be no situation in which the loan applied by the customer has not arrived yet.
Some platforms may give reasons why it is necessary to pay some fees before lending. For this reason, don't believe it. Please remember that the online lending platform that collects money and does not lend is not formal. Don't pay anything, even if you do, the other party does put money, and may be charged various fees, service fees, etc. For various reasons, and then you really got into a loan and couldn't get rid of the scam.
In this case, the most direct solution is to report the platform to the local CBRC or the Internet Finance Association. If funds are urgently needed, it is recommended to apply for loans from other platforms or directly from banks or licensed lending institutions.
What if the online loan is not given?
1, 360 IOUs
You can learn about this product, which is a low-threshold micro-credit loan with a maximum amount of 200,000. It can be recycled and the interest is calculated on a daily basis. The system will give the quota according to the comprehensive qualification of the borrower.
2. Recruit good loans
Zhaolian Finance is an institution approved by China Banking Regulatory Commission. Its good term loan threshold is low, easy to borrow and easy to handle. The amount ranges from 500 yuan to 200,000 yuan, and the loan period can range from 3 to 36 periods.
What should I do if I need to repay the micro-loan but I can't get it?
If the loan has not arrived, you should contact the customer service staff of the platform immediately, otherwise the repayment will be normal.
When the money does not arrive after the loan, you should contact the customer service staff at the first time to find out the reason for the non-arrival. If it is your own reason, let the platform pay again. If it is because of the platform, you should ask to terminate the repayment plan until the loan is successful.