The online loan has to be paid back, and there is no next payment.

The customer applied for a loan on a certain network platform, but the system showed that the loan had not arrived yet. It is suggested that customers directly give up their loans on this platform and apply for new loans on other loan platforms. The loan account number of this platform can also be directly cancelled.

This is because it is unreasonable to repay the loan before it arrives. Any formal lending platform with a financial license approved by the CBRC will generally not charge any fees to customers before the loan funds arrive.

Therefore, customers should never pay back the money, otherwise it is easy to fall into a loan scam. If the money may be paid back, the platform will not lend money and directly "roll the money and run away". Even if the loan is made later, most of the money paid before will not be refunded. In fact, it is equivalent to the platform charging "beheading interest".

And everyone needs to pay attention. After applying for new loans on other platforms, you need to find a formal licensed consumer financial institution, not an unknown small loan company.

Extended data:

Formal online lending platform:

1, money to spend

Youhuagan is an online credit product owned by Du Xiaoman. You don't need to provide any mortgage or guarantee items, but you can apply for a loan with personal credit. The maximum amount of money that can be given to users is 200,000, which is already very large in many small loan software.

The minimum loan interest rate for those who have money to spend is 0.02%, and the longest loan period that can be applied for is 24 months. When users apply for loans, they are online all the time, with simple steps and convenient application. If you have the money, someone will approve it within 24 hours. After the loan application is approved, the loan can be completed in 5 minutes at the earliest.

2. Microfinance

Micro-loan is a small loan product under Weizhong Bank, the first online bank. Users don't need to download the APP, open WeChat and click on the wallet to find the loan entrance of micro-loan. Micro-loans adopt a white list invitation system, which requires users to score 650 points or more on WeChat payment before they can be opened.

The minimum daily interest rate of micro-loans is 0.02%, and the maximum credit line is 300,000 yuan. After the user's loan application is approved, the notice of receipt will be received within 5 minutes at the earliest.

3. Sweet orange borrows money

Sweet Orange Loan is a loan product in China Telecom Wing Payment APP, with a maximum credit line of 200,000 yuan and a maximum loan term of 12 months. The minimum daily interest rate for borrowing money from sweet orange is 0.02%. After the loan application is approved, the user can receive the loan notice in one minute at the earliest.

The advantages and disadvantages of online lending mainly lie in:

First, interests.

1. The application threshold of online loans is generally lower than that of bank loans, so customers are more likely to get loans successfully. If the customer's comprehensive qualifications are average, it is better to choose online loans.

2. The online loan process is simple. You can directly download the official APP of the platform, and then log in to the APP to fill in personal data and loan information submission. After the system is approved, you can lend money, which is faster. Some people applied for loans on the same day and were approved on the same day. Compared with going to the bank for a loan, it takes much less time to prepare various materials. If customers are in urgent need of funds, they can choose online loans.

Second, shortcomings.

1. The online loan market is mixed. If customers are not careful, they are likely to encounter usurers and fraudsters and fall into loan fraud. It is possible that the money was not lent out in the end, and the personal money was damaged.

2. The interest of online loans is usually higher than that of bank loans, so customers will have to pay more.

3. Due to the non-compliance of some online lending platforms, customers are likely to encounter collection after borrowing, which will affect their normal life.