What are the platforms where you can still borrow money after the due date?

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When we need to apply for a loan, we find ourselves If I have been overdue in repaying a loan or using a credit card before, can I still apply for a loan? What are the platforms where you can borrow money even if it is overdue? Next, the editor will take stock of it for everyone.

What are the platforms where you can borrow money even if it is overdue?

When our credit report shows that we have no records of bad debts, reimbursements, etc., and we have not incurred 3 consecutive months or a cumulative 6 Generally, lending institutions will only approve our loan application if there is an overdue record of more than 2 months. In order to prevent our loan application from being rejected, we can try to apply for a loan from the following loan platforms that can be admitted even if there is no serious overdue loan.

1. 360 IOU

360 IOU is a loan platform for individuals and small and micro enterprises under 360 Digits. It evaluates customer credit based on 360 big data, and on this basis Provide consumer loans that arrive quickly.

360 IOU provides loans to mainland Chinese residents aged 24 to 55. Users need to submit their ID card, bank card, mobile phone number and other information online when applying. The annualized interest rate can be applied starting at 7.2. The loan amount is from 1,000 yuan to 200,000 yuan, and the repayment period is from 3 months to 24 months. 360 IOU approval is fast and the threshold is low.

2. China Merchants United Finance

China Merchants United Finance is an Internet consumer finance company jointly established by China Merchants Bank and China Unicom. The main online loan product is Zhaolianhao Long-term Loan, which can be borrowed at any time 24 hours a day, 7 days a week, and is credited in real time. According to user qualifications, you can apply for a loan with a maximum amount of 200,000 and a maximum period of 36 months. Interest is calculated on a daily basis and repayment is flexible. . Users with excellent qualifications can also receive preferential interest rates.

3. Duxiaoman Finance

Duxiaoman Finance is a formal financial company backed by Baidu. Its personal consumer credit products include Manyidai, Zunxiangdai, etc. Users apply online through the entire process, and the system will determine the loan amount and loan interest rate based on the user's qualifications. It has the characteristics of fast payment, flexible borrowing, early repayment and installment repayment.

4. Ping An Consumer Finance

Ping An Consumer Finance Co., Ltd. launched Ping An Orange Flower, a personal revolving consumer credit loan product. Users can apply online through the entire process and obtain the loan without mortgage. A revolving loan limit of up to 200,000 yuan can be approved. The loan interest rate is between 14 and 24. You can borrow money at any time 24 hours a day, and you can also enjoy interest-free services for a certain amount of small consumption.

5. Fenqi Le

Fenqi Le is a consumer installment platform under Lexin. You can apply by submitting information online, and the system will automatically approve the amount, and the account will be credited in as fast as 1 minute. Fenqile can lend up to RMB 200,000, and the loan is interest-free for 30 days for loans of less than RMB 10,000. You can choose a variety of installments for repayment.

6. Anyihua

Anyihua is a loan platform under Ma Ma Consumer Finance Company. Users can apply online. Based on the user’s credit situation, the system will quickly approve it, and the annualized interest rate is within Between July 2 and 24, you can obtain a loan limit of up to 200,000 yuan. The credit line can be used repeatedly at one time, and the loan can be disbursed in as little as 1 minute. The repayment can be flexibly arranged in installments.

7. Anxinhua

Anxinhua is a loan platform independently operated by Chengdu Yunhe Network Technology Co., Ltd. After users apply online, they can get approval quickly, and the maximum number of approvals can be 20 For a loan amount of 10,000 yuan, the annual interest rate starts from 7.2, and the installment repayment can be up to 36 months.

8. Haojie Installment

Haojie Installment is an online credit loan product launched by Dalian Zhongshan Deyunsheng Small Loan Co., Ltd. The product is aimed at users aged 22 to 45, with a review time of 3 minutes and disbursement within 10 minutes. The loan amount is between 5,000 yuan and 200,000 yuan, the loan interest rate is between 7.2 and 24, and the loan term is between 3 and 36 months.

9. Tianmeidai

Tianmeidai is an Internet small loan platform. It has lower credit requirements for customers during review and will reject loans immediately due to credit problems. People are more friendly. Tianmei Dai can approve a maximum loan amount of 50,000 yuan, with interest-free payment for 30 days. The loan can be disbursed as quickly as 1 minute and the installment is flexible. Tianmei Loan has a short repayment period and is suitable for short-term use.

10. Rongshu Loan

When filling in application materials, Rongshu Loan only requires personal ID card information and phone number, and will not check the lender's personal credit report. After the loan application is approved, the annualized interest rate is as low as RMB 12, and the maximum loan amount can be RMB 200,000. You can apply for multiple products by filling in the information once. What are the platforms that can provide overdue loans? Try these ones

Regarding the question "What are the platforms that can provide loans even if they are overdue?", it generally depends on the severity of the overdue loan, and the key point is that there cannot be overdue money at the moment, so that some overdue repayment periods do not exceed You can also get a loan if it is 30 days and the cumulative overdue period does not exceed 4 times. Of course, different loan platforms have different requirements for the length of the overdue period and the number of overdue times. You can try the following.

What are the platforms that can provide overdue loans?

1. Jingdong Gold Bar Jingdong Finance is a cash loan platform specially designed for Jingdong users. It can lend up to 200,000, with an annual interest rate as low as Users’ JD shopping habits, if their usual JD shopping spending power is good, and JD Baitiao has not overdue repayments, even if the credit report is overdue once or twice, you may be able to get a loan.

2. Zhongyuan Consumer Finance is a formal financial institution loan platform approved by the China Banking and Insurance Regulatory Commission. Online application, fast approval, the fastest 5 minutes, pure credit, no mortgage, the maximum borrowing limit is 20 Ten thousand, interest is calculated on a daily basis, and the daily interest rate starts at 3/10,000. It is provided to ordinary users and advocates repayment within 7 days without any reason. It is a guaranteed right that encourages users to consume rationally.

3. If you use the cash borrowing platform under Ant Group, go directly to the Alipay-My-Biubei page on your mobile phone to check whether there is a credit limit. If there is, it means that the Alipay account is active. Users with good credit and qualifications can check the box to agree to the relevant agreement. After the system checks the credit report, they will see whether they can get a credit limit and how much it is.

4. The credit consumption loan product launched by Agricultural Bank of China through the Agricultural Bank of China’s Online Jiedai Agricultural Bank of China can be applied for online through the entire process of Agricultural Bank of China’s Mobile Life. The application conditions include a description of good credit status: there must be no overdue, within 2 years There is no overdue record for more than 30 consecutive days, and the cumulative number of overdue loans within 2 years does not exceed 4 times. You can check the number yourself and you will know whether you can get a loan. The above is the relevant content about "What are the platforms where you can get loans even if you are overdue?" I hope it will be helpful to everyone. Which online loan can you borrow money from if you have a bad credit report?

If you have a bad credit record and a bad credit report, you can try these platforms: China Merchants Union Hao Futures Loan, JD Gold Bars, Youqian Hua, Baimaodai, Xinxiangtong, Tiqianhua, Anxinhua.

You can try these platforms with loose thresholds. It is recommended that you build up your credit for a period of time after overdue repayments before borrowing, which will help improve the pass rate. Take care of yourself during the period of building up your credit, and don’t Go to any credit business where you can check your credit limit, even if you only check the credit limit and don’t borrow money, don’t do it.

1. China Merchants Union Good-term Loan: A pure credit loan launched by China Merchants Union Finance, with a relatively low threshold, meeting the basic borrowing conditions and having the ability to repay. There are currently no overdue cases with bad credit and there are no loan cases. The system Automatic loan approval, suitable for long-term capital turnover.

2. Jingdong Gold Bar: A pure credit loan launched by Jingdong Finance. The loan is approved by the cooperative funder. If Jingdong’s big data is good, such as frequently shopping in Jingdong Mall and making IOUs, and being able to repay on time, there will be no overdue loans. If you have paid it off, you can quickly approve the loan if you borrow money from Jingdong Gold Bar.

3. Have money to spend: The pure credit loans launched by Du Xiaoman Financial have been repaid after the due date. You can spend money, manage finances, etc. on Baidu APP before borrowing, and slowly accumulate back-end credit. , the approval rate for borrowing money to spend will be higher. The premise is that you must meet the basic borrowing conditions and have stable repayment ability.

4. White Cat Loan

A credit loan with relatively loose requirements for borrowers, which can be disbursed quickly and repaid at any time. Office workers who are 22 to 55 years old and have the ability to repay, are not overdue and are not credit shady, may still have the opportunity to make a loan. The maximum amount is 40,000, and the loan period is as short as 3 months and as long as 12 months. It is best to borrow according to your own needs to avoid increasing repayment pressure. Where can I borrow money if I am overdue?

If I can borrow money if I am overdue, I can borrow money from 360 IOUs, Suning Yixindai and other platforms, or I can try some online loans with low thresholds.

First of all, everyone must recognize the fact that if it is overdue, any application for a loan from a bank or regular loan company will be rejected. Because these lending institutions will check the borrower's credit status, even if the overdue loan does not meet the credit report, it may be recorded in the online loan big data, so the chance of successfully applying for a loan is very slim. Nowadays, there are more and more channels for people to borrow money when they are in urgent need of money, such as banks, online loans, lending companies, etc., all of which can provide loan services. However, after borrowing money, you must repay it on time to avoid problems. Overdue situation. So, where can you borrow money if it is overdue? Let’s take a look below.

Generally speaking, it is difficult to apply for a loan if it is overdue, because many lending institutions now pay more attention to the borrower’s credit report and require good credit, although there are also some Forbearance measures are taken for customers with overdue records, but if the loan is found by the lending institution, 90% of those who are overdue will be denied a loan. If you need money urgently, you can entrust a guarantee company recognized by the bank to provide credit guarantee and apply for a bank loan.

With the intervention of a guarantee company, the bank's risk of repayment is transferred to the guarantee company, and the success rate and efficiency of borrowers' loan applications will be improved. Borrowers can also enjoy low-cost loan options if the guarantee company has correspondent banking products. If the current overdue behavior is discovered, the borrower must make up the overdue amount in time, and then explain to the bank the reason for the overdue payment, clarify that he is not malicious, let the bank see your willingness to repay, and see if it can issue a non-malicious overdue payment certificate. It turns out that this is a solution, but it will be more troublesome and time-consuming. In addition, it is also a solution to negotiate after paying off the debt, maintain a good credit record, and wait until the new record covers the old credit record before applying for a loan. Generally speaking, as long as the user is not frequently overdue and can provide sufficient proof of repayment ability, he or she can apply again without waiting for a long time.