1. Answer positively

Yes. 1. If the user applies to an online loan institution for negotiated repayment, he or she can still go online if the negotiation is successful, because after the negotiation is successful, the user can usually repay the loan in installments, and during the repayment period, no overdue interest will be added, so even if The repayment period is longer, and users can eventually pay off overdue debts.

2. Specific analysis

2. If the user fails to negotiate successfully, or does not apply for negotiated repayment, it will be difficult to repay slowly.

Because the online loan is overdue, the system will charge overdue interest based on the number of overdue days. The longer the user takes to repay the loan, the more interest will be generated, making it difficult for the user to go online.

How long does it take for the credit report to be restored after the online loan is launched? After the online loan is launched, the user has paid off all overdue debts and paid off the overdue debts. From the date of repayment, the overdue record will be The credit report will be retained for 5 years. Overdue records will be automatically deleted after 5 years.

As for overdue records in online loan big data, they will be automatically deleted after 3 months from the date of repayment.

Therefore, personal credit will be restored after 5 years, and online loan big data will be restored after 3 months.

If a borrower applies for loans too frequently or performs loan operations too frequently, it will increase personal credit risk. You can check the personal credit risk index on "Xiaoqixincha". The higher the risk score, the more likely the application is to be rejected.

3. What should I do if I can’t get online loans?

If online loans cannot be obtained, you can use the following methods to remedy the situation.

1. Users apply to online lending institutions for negotiated repayment. If the negotiation is successful, part of the interest and overdue penalty interest can usually be reduced or exempted. In special circumstances, the user can even obtain a full exemption of interest and full penalty interest for repayment. After the pressure is reduced, users can repay according to the negotiated agreement.

2. If the repayment negotiation fails, the user can only find a way to collect the money to repay. By selling the assets in hand or borrowing money from relatives and friends around him, he can obtain a certain amount of funds for repayment in a short period of time. Online loans.

3. Make your own repayment plan, first repay the loans with good credit, and then return the loans with bad credit.

As long as you repay in a planned manner, online loans can eventually be paid off.

4. If some online loans have illegal interest rates, users only need to repay the interest within the legal range, which can also reduce repayment pressure.