1. Take the initiative to contact the online loan platform for debt

After the online loan platform is overdue, it will only ask the borrower to collect the debt, and will pay back the amount owed, and will not take the initiative to help the borrower. Suspension of pending accounts. For this reason, the borrower can only take the initiative to contact the online loan platform to negotiate if the interest rate is suspended. For example, you can call the service hotline of the online loan platform or contact online customer service.

2. Explain the difficulty of being unable to repay the loan

Generally, an irresistible reason must be given, because only in this way can it be proved that the loan is indeed unable to repay, otherwise it will be considered Intentional non-payment. Generally, reasons such as illness, hospitalization, isolation, unemployment, etc. are all reasons for inability to repay due to force majeure. The key is to provide relevant information to support it.

3. Show willingness to repay

If interest rates can be suspended on online loans, it will only stop increasing interest. The debts incurred before will still have to be repaid. The online loan platform must see the borrower's willingness to repay before it can agree to suspend the interest rate and suspend the loan. Borrowers must provide proof of their savings and income to prove that they have the ability to repay but are temporarily unable to repay the loan in one go. They can even make a repayment plan themselves.