What should I do if the online merchant loan repayment is unsuccessful?

How to repay the online merchant loan?

Online business loans can be repaid according to the following procedures:

1. Download and open Alipay.

2. Click Me in the bottom menu bar.

3. If you open an online merchant loan, you can find one on my page.

4. Click on the online business loan.

5. Find the Pay Back button in the new interface that opens, and click.

6. Switch to the loan record item in the opened page, where you have your own loan.

7. Find the item you want to pay back and click it.

8. After clicking, there is a prepayment button at the bottom of the new page. Click to repay.

Note: Online merchant loan repayment is generally deducted from Alipay balance, Yu 'ebao and other payment channels. Please confirm whether your balance is enough first.

From noon 12 on the repayment date of the online merchant loan, the system will automatically deduct the money. In order to avoid overdue, the repayer guarantees that the repayment channel is fully funded. Under normal circumstances, if the borrower repays the loan on time and keeps good habits, the use of online merchant loans will not have a negative impact on personal credit, but will help personal credit accumulation and become a proof of good credit when applying for loans such as mortgage and car loan in the future.

If you are overdue in the process of using the online merchant loan, you will face the following impacts:

1. Overdue records will be truthfully uploaded to the credit information system of the People's Bank of China, which will affect personal credit;

2. Charge penalty interest, which is 0.5 times of 65438+ normal interest rate;

3. Being collected, affecting subsequent loans.

note:

1. The unsuccessful loan repayment of online merchants is generally caused by network instability or system failure. After the repayment fails, the user can exit the repayment page and re-enter, and then the repayment is generally successful.

2. However, many repayments are unsuccessful. Please contact the online merchant loan manual customer service in time and ask the manual customer service to help solve the problem.

3. As long as the repayment is made on time on the repayment date, it is not considered as the user's online merchant loans overdue, and the user must pay attention to the repayment on time.

(Device: Apple 1 1, ios 15)

(Alipay 10.2.36)

What if the online merchant loan is not repaid?

Ways to repay online commercial loans:

1. Try to negotiate repayment first.

Borrowers can take the initiative to find online business loan customer service, try to apply for agreement repayment, and see if they can extend the repayment period and reduce the monthly repayment amount, or apply to repay the interest first and then the principal, so as to reduce the current repayment pressure and reduce the negative impact of overdue credit reporting.

2. Withdraw cash for repayment.

If the borrower has a credit card, he can use the credit card to advance cash to repay the loan arrears of the online merchant, and then pay back the credit card slowly.

3. Borrow money from relatives and friends.

The most commonly used method is naturally to ask friends and relatives to help us tide over the difficulties, and to some extent, we can borrow some money, so that we can get a certain repayment time. Maybe the business situation will improve and the funds will be able to turn around in a few months.

4. Repay by selling property.

In exchange for a certain amount of repayment funds, the premise is that there are these assets in the name of the individual, and it is better to mortgage repayment by yourself than to be forced to repay by the court. You always have to pay it back. There is no need to go to court.

Consequences:

1. The overdue records will be uploaded to the basic database of financial credit information of the Credit Information Center of the People's Bank of China, which will adversely affect the credit.

2. Overdue repayment shall be calculated according to the normal interest rate 1.5 times and penalty interest shall be charged; The first thing we encounter is a high penalty interest, and some financial institutions need to pay a penalty on the basis of the penalty interest. These expenses add up to a lot, so form a good repayment habit.

3. It will be collected, which will affect subsequent loans.

4. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

5. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement.

6. When accepting enforcement, the court will inquire about the real estate, vehicles, securities, deposits, etc. under the name of the lender according to law.

7. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict his high consumption and entry and exit, and may even lead to judicial custody.

What if Alipay can't repay the online merchant loan associated with other accounts?

First of all, you need to know why Alipay's online loan can't be used. Secondly, online lending affects regular bank loans. The online merchant loan interest rate is around 89%. It's not too high. You can negotiate with Alipay to pay back in installments or overdue. If you don't pay it back for a while, you can pay it back later. 3 The borrower may not be able to borrow money when operating in an environment assessed as risky by the system, for example, in an unfamiliar network environment, or changing the bound mobile phone or why the Alipay online merchant loan can't reach the equipment he uses, which may easily trigger the security policy of the system, thus failing to use the online merchant loan normally and showing that there is an unpayable loan, which is generally the above situation; Loans overdue, an online merchant, will affect the borrower's credit information, and will also charge a penalty of several times the normal interest rate. If it has not been repaid, the online merchant loan will take certain collection measures. If the online business loan is really not up, you can try to negotiate repayment first. The borrower can find the artificial customer service of the online merchant loan and try to apply for negotiated repayment. If you can't afford flowers, you can ask your parents for help. With the help of your parents, you can repay the debt. You can borrow money from your friends to pay off your debts. There are two solutions to the temporary overdue loan of Alipay online merchants. 1 You can call the customer service hotline to apply for deferred repayment. In case of major natural disasters, people generally don't want to borrow money from friends around them to return them. The specific operation method is as follows: 1 Open Alipay and enter the payment.

2. The online merchant loan on Alipay, if you don't pay it back in time or it is overdue, then he will go to the credit, which means that your credit is broken, and you may be restricted from buying a house loan in the future; I received an online business loan at the meeting. A friend who printed the credit report said that after submitting the application, the loan inquiry record issued by Zhejiang Online Merchant Bank will also be displayed. The difference is that the user groups are different, and the two cannot exist at the same time. Many people have opened loans; 1 Identity mismatch At present, not all SMEs can apply for loans from online merchants. Generally speaking, only Alibaba's partners can apply for online business loans, such as Taobao shop owner Alibaba's service providers. 2. Bad credit. Online business loans have strict requirements in terms of credit, not only the credit of enterprises is better; 1. The loan of Alipay online merchants is temporarily overdue, so ask relatives or friends around you to borrow money and pay it back as soon as possible, because if you don't pay back the loan of Alipay online merchants, you will not only face the penalty interest for overdue loans, but also be included in the list of untrustworthy borrowers, and at the same time face the collection of Alipay online merchants' loans.

3. Alipay online merchant loans cannot be overdue after use, because there will be penalty interest after overdue repayment. The longer the delay, the more penalty interest. After overdue repayment, the platform will collect it and upload it to the credit information center, resulting in poor personal credit information. You can use different accounts when you can't continue to handle the daily repayment of online business loans.

4. Legal analysis: the failure of online business loans will not only affect personal credit, but also impose penalty interest. Users are advised to contact the online merchant bank directly to see if they can negotiate to extend the repayment period or borrow money from friends and relatives around them. First, settle the money borrowed by online merchants, and then slowly pay back the money of friends and relatives to ensure that they can repay on time without affecting their personal credit; First, there is a delay in deducting money. Second, the online merchant loan repayment account must be set correctly. If you set up another account, you will be charged through other bank cards bound by Alipay after default.

5. The online merchant loan on Alipay cannot be repaid, and the bank card under its name may be frozen. The lover's bank card is generally not frozen. Some online loans are connected to the central bank's credit information system. These online lending platforms with financial licenses are all connected to credit information. If the borrower's overdue debt is serious, the platform can bring a lawsuit to the court; This situation may be due to the user's repeated use of the prepayment service in the early stage, resulting in no interest on Alipay online commercial loans. In the long run, it will prompt that the application is risky, and this will happen when the user loan function is turned off. You can try to solve this problem through the following methods: 1 use Alipay to repay the credit card under his name, each; Online merchant loan is an operating loan of online merchant bank. It is opened by the automatic evaluation of the system. Many Alipay users have used it, but many people find that online merchant loans can be used at first, and suddenly there is no quota. What's wrong with online business loans? Let's analyze the reasons why online business loans can't be used.

6. You used the online merchant loan before 1, but now you can't find it. This may be because you are currently logged into the wrong Alipay account. Generally, your email or mobile phone number is registered in two different Alipay accounts. You can switch accounts and log in to the correct account with online business loans for inquiry or repayment. You haven't opened an online merchant loan before, and you can't find an online merchant. When Alipay online merchants are in loans overdue, they can call the customer service hotline to apply for deferred repayment or borrow money from friends around them. It should be noted that after Alipay online merchant loans overdue, the platform will collect the overdue records and upload them to the credit information center. If personal credit information becomes bad, it will affect personal credit information and lead to personal credit information.

The online merchant failed to repay after 12 at night.

Because you are overdue, the repayment failed. The latest repayment time on the repayment date is 12: 00 in the evening, and the customer should repay before noon on the repayment date 12, because there is network delay, if the repayment time is late, it may cause overdue.