1. What are the regular lending platforms?
If you want to borrow money now, you must choose a formal lending platform. At present, the more formal lending platforms are all lending products under some big platforms. Using this lending platform, there will be no routine loan usury. For example, Xiaoman's rich flower platform, WeChat's micro-loan, Alipay's flower garden and JD.COM's JD.COM White Bar all have strong backgrounds. Although there is a formal lending platform, we should pay attention to borrowing less and not develop into such a road of supporting loans with loans. This is a road of no return, and it is easy for us to get into ambiguous debts. I will show my borrowing times in the credit information. If I apply too many times, it may be difficult to borrow money in subsequent loans, and some loans are difficult to pass.
Second, what are the reasons for the failure to apply for a loan?
I can't apply now, probably because the borrower's credit information was problematic at the beginning, because some platforms now cooperate with banks, and the borrower's credit information can be found. If the borrower's credit information is not good, then the lending platform is unwilling to lend money to the borrower. There are overdue or arrears on the lending platform, which will greatly affect the lending of other lending platforms.
Third, finally, online loans can't solve your problems in many cases, and many online loans will have greater risks. Although some lending platforms will have strict qualification examination and risk control measures for lending, they will often encounter some other problems, such as high annual interest rate. It's really hard to say. If you can pay off your debts, it will have a great impact on your life and work.