1, ask relatives and friends for help.
If it's really urgent, you can find relatives and friends to repay the money, and then return the money to them when the capital turnover is good. However, if the amount is relatively large, it is estimated that borrowing from relatives and friends will not make up the gap. But generally speaking, the amount of installment payment will not be too large, so this method is generally acceptable.
2. Apply for an extension.
If the personal loan cannot be repaid, you must first communicate with the bank's credit manager and explain the reasons. We must be sincere, so the credit manager may give us some time. However, this is not a long-term solution. If the loan cannot be repaid at maturity, it will be regarded as a breach of contract and the credit record will be defiled. However, according to the regulations of the bank, as long as the overdue period is not more than three months within two years and the accumulated overdue period is not more than six times, it will not have a negative impact on the loan. So hurry up and apply for an extension. As long as the applicant has a good repayment record and sufficient reasons, he can apply to the bank for an extension. But some banks are not allowed, so you should consult the bank in advance.
3. Use credit card to repay the loan skillfully.
Generally speaking, it is enough to pay in installments by credit card. If the borrower has insufficient capital turnover, he can borrow a credit card to repay the loan.
4. Make money and repay the loan through part-time job.
You can use your vacation or rest time to work and study, and find a part-time job to earn some money and repay the loan.
It is particularly important to note that the loan must be returned in time, otherwise there will be dunning fees and personal credit information will be affected. It is not conducive to loans to buy a house and a car in the future. Also stay away from "fruit loans" and "routine loans".