你能立刻有多少个人贷款？
您可能拥有一个以上的个人贷款，其中一个特定的贷方或多个贷款与不同的贷款人。但是，有些贷款人可能会限制您可以通过它们开放多少贷款，例如两次贷款。此外，打开多个贷款可以使您出现作为借款人的风险较大程度并降低资格机会。
如果你想再融资您的个人贷款, you’ll need to take out a new loan and use that money to pay off your existing loan. although you can refinance at any time, it’s best to do it when your credit scores have improved so you can qualify for a lower interest rate. refinancing also may be a good option if you want to reduce your monthly payments by extending the loan term.