How to solve the problem of paying back the money when the online loan money has not arrived?

65438+ and the loan you applied for this time, if you want to pay it back, but it has not been released, there is no reason for the customer not to pay it back.

After all, it is unreasonable for the customer to repay the loan before the loan is approved. In this case, customers should be cautious. It is likely that the platform for applying for loans is not very formal. Customers had better collect evidence and report the platform to the local CBRC or Internet Finance Association to avoid being cheated and losing personal money.

3. It should be noted that any formal lending institution or platform will not charge customers before lending. If a lending platform charges itself before lending, the customer shall not give money for any reason (such as deposit, membership fee, handling fee, service fee, etc.). ). Don't borrow money on this platform after that. If you need funds, you can apply for a loan from a formal platform with a financial license.

What are the consequences of online lending?

1, high penalty interest and liquidated damages

High penalty interest refers to the lender's failure to repay the amount specified in the loan within the specified time limit, so as to calculate the related high overdue penalty interest. The longer the debtor extends the overdue period, the higher the agreed interest, but no matter how high it is, it cannot exceed the legal scope stipulated by our laws. If the loan is not repaid, the lender will be required to pay the corresponding liquidated damages. Therefore, it is best to develop good repayment habits to avoid causing more problems in the future.

2. Credit damage

If the loan is not repaid, it will also affect its credit. Now many banks and online lending companies have adopted the * * * enjoyment system. Borrow money from banks or online lending companies and don't pay it back. Then it is possible that other online lending companies or banks know that you owe the loan and don't pay it back. If you want to apply for a loan in the future, it will be difficult or even impossible to get a loan. Because your credit information has been damaged.

3. being harassed by various means.

If the loan is not repaid, it may be harassed by the online loan company. Sending text messages and calling relatives of borrowers or lenders 24 hours a day is still a light act. Some online loan companies will outsource the collection to professional companies that specialize in dunning. These professional dunners have various dunning methods, and sometimes even the "violent collection" behavior of dunning companies will lead to family breakdown.