The next payment may not be made. In fact, most black household guarantee companies just follow the normal process.

First, the black household guarantee company may not be able to make the next payment.

If you need money urgently and need a loan, you can find a guarantee company to guarantee it. The guarantee company will decide whether to agree to guarantee for you according to the nature of your blacklist. Secret bank won't lend. If any channel says that banks can lend money, it must be a liar. You should be careful.

Second, the loan is only related to your personal credit information.

When applying for a loan from a bank, the bank will review the borrower's personal credit information. Only when the borrower's personal credit is good and meets the conditions of the bank can he apply for the corresponding loan. When many people apply for a loan from a bank, it is because the credit information does not meet the requirements of the bank that the loan application is rejected. If the frequency of "hard inquiry" in the credit report is too high and there is no record of successful loan or credit card issuance, it means that the applicant's property status is not good, and 90% banks and financial institutions will refuse the loan.

Third, users can't have too many small loan records.

Small loans and online loans are the least favorite of banks. If there are many small loans and online loans on the credit information, and the amount is relatively small, it means that you are either poorly qualified or in a hurry to use money and need various loans. Such customers are generally risky and banks will directly refuse.

How to improve your loan success rate;

1. Maintain normal repayment and don't be overdue. Pay it back when it's overdue, not overdue. Cover it with a good repayment record in the future.

2. Don't apply for online loans and small loans at will, apply for a credit report, keep the credit report clean, try not to use online loans, and give priority to bank loans.

3. Control the credit card usage rate within a certain range. If you plan ahead with money, don't consider applying for a loan until your credit card runs out of money.

4. Don't have negative information and bad records. If it happens, it should be handled and solved in time to avoid significant impact in the future.

Can I borrow from the online loan blacklist?

Blacklists can also be used for online loans. At present, many online loan products have low thresholds. Many blacklisted users saw the opportunity to apply for online loan products, but the security of online loan products is unknown, so they must be cautious when choosing online loan products, and it is best to choose a formal platform. If you are blacklisted for overdue reasons, I suggest you pay off your debts in time. After clearing the blacklist, you can apply for a loan at the bank.

Can the blacklist of online loans still be used for online loans?

You are included in the blacklist of online loans, which means that you have outstanding online loans or overdue online loans. In this case, you can't apply for online loans.

Online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

Can I still get a loan online?

Online loan black households can't make loans. Black accounts in banks mean that in the past two years, the lender's loan repayment has been overdue for more than three consecutive times, or accumulated for more than six times. The borrower is blacklisted by the bank because of his poor personal credit, so he can no longer apply for a loan from the bank and become a black account of online loan. "General Rules for Loans" Article 21 A lender must be approved by the People's Bank of China to operate the loan business, hold the Legal Person License for Financial Institutions issued by the People's Bank of China, and be approved and registered by the administrative department for industry and commerce. Sixty-first administrative departments at all levels, enterprises and institutions, supply and marketing cooperatives and other cooperative economic organizations, rural cooperative foundations and other foundations shall not engage in financial services such as deposits and loans. Enterprises shall not handle lending or disguised lending financing business in violation of state regulations.