Elephant Online Loan is a very reliable loan platform, and installment products are also relatively reliable. Moreover, Xiaoxiang Online Loan is also a very famous online lending platform for the public. Many people choose to borrow money on this platform. It should be noted that when borrowing money, they must have a stable job and income before they can repay on time every month. Only in this way can we avoid the phenomenon of overdue during the repayment period, and overdue by stages will also have an impact.

Elephant is a platform that can provide cash loans and commodity staging for everyone. The maximum amount of cash loans is 31, yuan. What needs to be known is that elephant's borrowing cost is determined according to the borrower's comprehensive credit situation and borrowing mode, and different people have great differences.

But generally speaking, the annualized loan interest rate of Elephant Premium will not exceed 36%. When Xiaoxiang Youpin applies for a loan, it is mainly to fill in some personal information, including ID card information, bank card number, mobile phone number, etc. It is more convenient without mortgage guarantee.

first, the small pits that need to be paid attention to in online lending.

(1) Cash flow of bank card: on the grounds that it is necessary to verify the cash flow before handling the loan business, the victim is required to set up a new bank card and deposit an appropriate amount of money, and then transfer the money in the victim's bank card after obtaining the bank card password and mobile phone verification code.

(2) on the grounds that the victim's reputation is too low: ask him to pay a certain amount of deposit, and when you start to apply for a loan online, you can even receive a cash check and a bank transaction from the other party. But the other party will fool you into paying a certain deposit, otherwise you won't lend money. In fact, this is a routine. If you beat the money, the other party will immediately pull you black.

(3) Liars pretend to be bank employees and claim that there are internal channels to make loans quickly: in essence, they apply for a credit card with your ID card. After the credit card application is successful, they will activate the credit card with your mobile phone, and then swipe the credit line with your verification code, deducting high handling fees.

second, what should I do if the loan is temporarily unavailable?

(1) On the premise that it is possible to repay the principal, you can try to negotiate repayment with the lending institution first.

(2) If the overdue loan is reported at the meeting, do your best to pay it back first. Here, I suggest confessing all debts to my family and paying off all the debts that can be paid off.

(3) Don't borrow any more money, stop here, and then find a job and go to work with peace of mind. Resist the pressure and use the money you earn to fill the hole in debt.