The lender cannot be changed, because since you have already applied for a loan, you can only repay the loan. If you want to transfer the loan to someone else, you can only repay the loan first. , and then reapply for a loan before it can be transferred to someone else's name.

This is how to apply for a loan.

In real life, whether it is a bank or an online loan platform, there will be a professional risk control department to evaluate the borrower's repayment ability. One of the most important indicators of the borrower's repayment ability is stability. work and income.

If there is no income, then the money lent by the platform will most likely not be recovered, which will be a loss for the platform.

With so many users, the platform will definitely give priority to people with stable jobs.

So, when we apply for online loans, we are required to fill in the name of the work unit, and some need to work continuously in the unit for more than 6 months.

How to successfully borrow money online without income?

After seeing this, friends, are you starting to feel worried? If you really have no income for a while and need money urgently, won’t you be able to borrow it?

No, no, no, I will give you some advice next. Let’s see what you can do to apply for an online loan when you have no income~

1. Choice A platform that suits you

General loans refer to credit loans, but if you have no job and no income, you can choose a mortgage loan or a secured loan.

Some online loan platforms also allow mortgage loans, usually real estate and cars. If you don’t have a house or a car, you can also get a credit card loan. Why can you use a credit card to get a loan? Because for online loan platforms, if you can have a normally used credit card, your qualifications will be recognized by the bank and there is a certain guarantee.

If you don’t even have a credit card, you can apply for some platforms with lower thresholds, but the interest rates are relatively high. It is not recommended that you borrow such a high-interest loan. I still hope that you will keep it in mind when you are in need of money. Be sensible!

2. Explain the situation to the online loan platform

If you have just completed the resignation procedures, then there must be part of your salary that has not been paid to you. At this time, you are When applying for a loan, you can fill in the name of your former company. When the platform calls for review, you must also explain the situation truthfully. Although you have resigned, you still have not received your salary, so you are able to repay the loan.

If you are a freelancer or run your own small business and there is no company name to fill in, you must explain the situation to the platform and prove your own earning capacity, repayment ability, etc.