After checking your credit score, if you want to borrow money, you can apply for an online loan. There are many online loan software that can help you borrow money. Because most online loan products are based on big data and platform risk control standards, generally as long as there are no problems with the borrower's online loan big data, the borrower can successfully apply for a loan. Borrowers can also go to a bank or lending institution to apply for a loan. Although it takes time to get a credit report, it is still possible to get a loan as long as there is no bad credit record on the credit report.
1. Cash withdrawal: Zhongyuan Consumer Finance’s pure credit loan is fully online and can be borrowed 24 hours a day. No mortgage guarantee is required. The maximum limit is 150,000. If the borrower's credit is not good, as long as he is not a credit shady, is not currently overdue, and meets the loan conditions, he can try to borrow money and there is a chance of borrowing money.
2. Flash loan: China Merchants Bank’s unsecured credit loan. The borrower has a China Merchants Bank all-in-one savings card, is 23 to 60 years old, has stable repayment ability, and has no bad credit. You can try to apply for a credit limit. The maximum credit limit is 200,000. The specific credit limit is subject to the system page display. The longer you apply for deposits and financial management at China Merchants Bank, the easier it is to borrow money.
3. Xinxiangtong: Pure credit small loan, with a maximum limit of 100,000. Borrowers aged 22 to 55 years old in non-Tibet, Xinjiang and other remote areas can try to apply. No mortgage guarantee is required. Submit online Personal information authorized operators can submit loan applications after completing real-name authentication according to prompts and obtaining credit from the system, and the system will automatically approve the loan.
4. China Merchants Union Finance’s credit-only loans: Although credit checks will also be carried out, the requirements for credit checks will still be relaxed for borrowers who are not credit-checked and are not overdue. Bad friends can also try to borrow money. First, you need to submit your personal information and complete the real-name authentication, and then submit the loan application after the system has granted credit. .
1. Internet lending, the foreign name is Internet lending, p2p online lending is the abbreviation of Internet lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry. The number of online lending platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number as of the end of April 2015 was 3,054. In April 2019, detailed rules for online loan registration will be released, and a pilot is expected to be launched in the second half of the year. On September 4, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Loan Risks jointly issued the "Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending" to support existing P2P online lending institutions in accessing credit information. system.
2. The essence of Internet finance is still finance, and it has not changed the hidden, contagious, widespread and sudden characteristics of financial risks. Strengthening Internet financial supervision is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging industry. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet financial innovation. By encouraging innovation and strengthening supervision to support each other, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and rationally define the business boundaries and access conditions of each business format, implement supervisory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely Crack down on illegal activities and irregularities. Online lending includes individual online lending (i.e. P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through the Internet platform. Direct lending activities that occur on individual online lending platforms belong to the category of private lending and are regulated by laws and regulations such as Contract Law, General Principles of Civil Law, and relevant judicial interpretations of the Supreme People's Court. Internet micro-loans refer to small-amount loans provided to customers by Internet companies through micro-loan companies they control, using the Internet. Online small loans should abide by the existing regulatory regulations on small loan companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.