How to check whether you owe online loans online?

How to check whether there is an online loan?

1, you can check your message. If you apply for an online loan, the loan platform will generally send a notice to the customer. Some criminals will not repay online loans after stealing information, and the platform may collect them.

2. You can go to the local people's bank to check personal credit information. If your ID card is stolen by others to apply for online loan, you can check it. Some online loans have been connected to the central bank's credit information system, and relevant loan and repayment records will be directly recorded in the credit information report.

3. In addition, you can also go to some third-party data platforms to query online loan big data to see if there is a record of applying for online loan in big data.

Extended data:

What should I do if I get a loan from the Internet?

1, collect evidence: First, keep calm and keep the evidence that you have been cheated;

2. Call the police in time: contact the police quickly and provide all the evidence to the police for investigation;

3. Modify the password: If a fraudster defrauds your bank card password, modify it in time;

4. Report to the platform: report the liar to the loan platform.

Online loan application conditions:

1. The online loan association requires applicants to be at least 18 years old and have full capacity for civil conduct, and many online loans are not allowed for students to apply.

2. Sesame credit: Many online loans require authorization of sesame credit, so online loans require applicants to have good sesame credit, but different loan products have different standard requirements for sesame credit scores. General applicants need to reach about 500% or 600%.

3. Personal credit: Some online loans need to be checked, and some don't, but overall, the applicant's personal credit is good.

4. Other conditions: online loans basically require mobile phone numbers and bank cards. Especially the mobile phone number, the online loan will require the applicant to have a mobile phone number with real-name authentication for 3 months or more.

Of course, different online loan products may have different situations, and the actual situation is subject to the product page display.

If the online loan is overdue, it will have the following adverse consequences:

1. The penalty interest will be charged from the overdue date until the customer pays it off in full. However, the penalty interest rate of many lending platforms will rise above the borrowing rate. If the customer has been in arrears, I am afraid there will be a lot of penalty interest. At that time, more and more customers will have to repay, and the repayment pressure will increase.

2. The loan platform will submit the overdue situation to big data, leaving a bad record in it. However, some platforms or their cooperative lending institutions have the central bank's credit reporting authority, and may also report the overdue situation to the central bank for credit reporting, leaving bad information in the customer's personal credit reporting, thus causing the customer's personal credit to be damaged.

3. I am afraid that the platform system will start risk control on the customer's loan account and freeze the quota, so that the customer can no longer borrow. At the same time, due to credit damage, customers will probably not be able to borrow from other lending institutions, platforms or banks. After all, the other party will also check the customer's credit status when approving. Once problems are found, they will naturally refuse to approve the loan.