Your loan usually arrives within 1 to 3 working days. If it hasn't arrived for a long time, you can call the platform customer service hotline to find out the specific reasons. After the platform borrows money, the borrower shall return it in time and shall not be overdue. There is usually a penalty interest, and the platform will charge interest. When you and I apply for a loan, you need the borrower to be between 23 and 55 years old, have a stable job, be able to repay the arrears on time, and buy life insurance in the name of the borrower. Different users get different credit lines when borrowing money. Generally speaking, the better the information submitted, the higher the credit limit. When handling loans, users must measure their repayment ability and know what income to use to repay. If your personal income is not high, you should be careful to borrow money at this time. In fact, when you don't borrow much, you can borrow money directly from your friends, which can avoid interest expenses. When borrowing money, users can compare different platforms in order to know which platform has lower borrowing interest rate. If you choose a platform with a lower loan interest rate, you can pay less interest. However, when choosing a loan platform, we must pay attention to the formality of the platform and avoid borrowing from informal platforms.

: 1. How to wash away too many online loan applications:

1. You can choose partial settlement first: the amount of online loans is mostly small. It is suggested to list some factors that affect credit reporting and pay it off as soon as possible, so as to reduce your debt ratio and avoid leaving a tainted record due to overdue.

2. Reduce your application record: six months ago, don't apply for online loans or other loans from banks. It is best not to apply for a credit card. Leave a recovery period, let the risk index return to below, and it will be easier to apply for a loan in the future;

3. Don't use online loan links indiscriminately: Some loan products don't just get credit information when you apply. Sometimes even if you click in and have a look, you will leave a record, so you must take care of your hands and not mess around.

4. Repay on time: Don't forget to repay all the loans and credit cards in your name on time during the credit investigation, and don't be overdue. Overwrite the previous record with a good record.

Second, the impact of overdue loans.

1, and bear the higher overdue fee. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management fee or other names, the charging standard will be very high. Therefore, those who have the ability to repay on time should never be overdue.

2. Bear the pain of platform collection in various ways. Collection is generally divided into three stages: in the first stage, when you are just a few days overdue, the platform customer service will warmly remind you that it is overdue and let you repay on time; In the second stage, the overdue time is relatively long, and the platform customer service will give a serious warning, and then it will face serious consequences if it is overdue; In the third stage, after a long overdue period, the platform will begin to take practical actions for collection. For example, the platform will continue to send you and your relatives and friends a lot of collection information, which will seriously affect your daily work and life;