Hello, many mobile apps can get loans now. I suggest you choose a reliable company. If you are in urgent need of money, I suggest that you must choose a reliable formal channel for big brands. Qianhua is a credit service brand owned by Xiaoman Finance (formerly Baidu Finance), which is safe and credible, and has the characteristics of simple application, fast lending, flexible loan repayment, transparent interest expenses and strong security. The application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Fuguihua, I hope it will help you. Youyouhua, as the credit brand of Xiaoman Finance (formerly Baidu Finance), provides users with convenient, fast and safe Internet credit services with a maximum loanable amount of 200,000 yuan.

Can I get a loan just by my ID card? Be careful not to fall into the scam!

In recent years, unsecured loan companies and companies have sprung up like mushrooms after rain, and various advertisements are all over the streets. In particular, people who are in urgent need of money will apply, but it is precisely in this way that some scammers will take advantage of it and create scams by means.

Especially in this era when everything is convenient and fast, borrowing money with ID card is a very popular way. Because everyone has an ID card, if you only have an ID card, you can get a loan, which means there is no threshold for a loan, and you can get a loan even if you don't have a job.

But are all these ways true?

I learned that it is true that you only need to use your ID card to get a loan.

At present, there are similar loopholes in the market, but there are many situations. Borrowers must keep their eyes open and choose reliable channels to lend before lending.

1, black households and white households can make a payment.

For some private lending products with extremely low thresholds, you can use your ID card to make loans. After all, the popularity is not high. Only by lowering the threshold can we attract more borrowers and charge interest.

The characteristic of this kind of loan is that anyone who has been overdue and has not done any loan business can apply for a loan, because the loan can be provided as long as the user needs it without checking the credit information, but the amount is relatively low and the interest is high. Most of them are small loans of 1000 yuan.

2. Informal microfinance

There are some channels in the market that claim that you can get a loan with your ID card. You can get a loan for anything without a house, a car or a job.

But as far as I know, many users have fallen into the "pit" because when applying for this kind of loan, the system will prompt that they have passed the examination and are waiting for the loan, and then there is no news. The money hasn't arrived for ten and a half months, which makes the borrowers waiting for it very worried. They are worried that they will suddenly get a loan here after applying for other loans, and they are afraid that it will be quite laborious to wait for a long time and draw water with a sieve.

There is another situation, that is, after borrowing money, it has been repaid on schedule, but the system prompts that it is still in arrears. Many borrowers are worried that their personal credit will be affected, and they don't know whether the repayment is successful.

There is something fishy behind the ID card loan.

Many private lending institutions will take advantage of the borrower's eagerness to use money and use the characteristics of low threshold, secondary payment and high quota of ID card loans to attract consumers. All users who submitted loan applications were rejected, and almost no one got the loan. They usually have several purposes:

Get ID information: Because you need to fill in your ID number, name and work situation when applying for a loan, some even ask you to upload a scanned copy and take a photo of your ID card. There are great hidden dangers when such information is transmitted to informal institutions.

Cheating fees: regular loans will not require fees before the next payment, not to mention ID card loans are credit loans and do not need any fees at all.

I have listed the following common centralized loan routines here. Be sure to keep your eyes open and don't fall into the pit.

0 1

interest-free loan

Deception index: ★★★★★

As the saying goes, greedy and cheap, big losses, zero down payment? Zero interest is great. Seize this opportunity, but don't know that you have fallen into the trap of others, hiding the high service fee and management fee interest to implement the scam. Originally, you only applied for a small loan, but the total interest rate was insanely high.

Interest-free loans are policy loans, which are government support projects for laid-off workers, veterans, college students or rural laborers in cities. If you obviously don't belong to these groups, the other party still promises to provide you with an interest-free loan, which is the trick of the liar 100%.

02

Only by ID card

Deception index: ★★★★★

Credit loan is indeed the lowest loan threshold, and the borrower needs to provide proof materials related to work income, and the credit record is good before it can be processed.

Imagine that anyone who promises a loan without any mortgage, except the people, is nothing more than a liar.

03

Pre-charge

Deception index: ★★★★★☆.

Let the borrower pay the deposit, handling fee and other expenses before issuing the loan! Or let you get a bank card and deposit some money in it!

Remind you again and again! These are definitely the actions of liars! Formal loan companies will not charge any fees before issuing loans.

04

Borrow, small loans forced to open

Deception index: ★★★★★★★

Lending treasure and micro-loan are both active invitation systems, and there is no application window. There have been many so-called help you forcibly open Alipay and micro-loans, which are not credible.

05

Loan teaching

Deception index: ★★★★★☆.

With the increase of loan platforms, some scammers are also full of tricks, and there are even loans to teach such things. You know, no matter how to teach, the credit is not good, and the loan can't come down!

In addition to the above-mentioned common loan scams, scammers will also use hidden loans, bank connections, low interest rates and other scams to trick borrowers into falling into the trap. Especially friends whose credit is tainted and in urgent need of money, don't rush to the hospital, beware of loan fraud.

How to prevent it?

0 1, on the regular platform

If you want to prevent fraud, you'd better go to a regular platform. The name of a formal loan company generally consists of "geographical name" and "company nature". The word ""can only be legally used if it has been audited by the Provincial Finance Office.

02, in the enterprise information online query its qualifications.

You can go to the enterprise information network to check whether the company is registered for the record. The business license of a regular small loan company must have words, only loans are not saved!

03, don't just click on the link.

You can't just click on the links you see on the Internet, because the unfamiliar links you just clicked are not unfamiliar to you. Even if you meet a link from someone you know, you'd better check it by phone before you click.

04, put an end to all kinds of unfair trading behavior.

For example, some small loan companies will clearly tell you that the loan is for help. In this case, don't go to your head and say yes, you will go to jail!

What if I get a loan for no reason?

In addition to many pitfalls in borrowing money with your ID card, it is also common for others to borrow money with your ID card. For example, these news: with your ID card information, you can get a loan without giving 200 yuan? The woman picked up a "look" ID card, posing as a loan to buy a mobile phone and overdrawn it! ID card loans overdue has been blacklisted for 50 times, making it difficult for women to buy a house. ......

Although it is convenient to borrow money with an ID card, it is one after another. Everyone has an ID card, which means that everyone's information is at risk of being fraudulently used. How to prevent this trap?

0 1, on the one hand, protect personal privacy information.

Identity cards, passports, etc. It is not advisable to lend it out, and the ID number should not be easily disclosed to others. When using a copy of your ID card, please indicate the words "This copy is for our business only" and sign your name and date.

02. Check the credit report regularly.

Individuals can check online for free, and those who have objections will be reported to the relevant banks in time and revised in time.

I need to say something to you.

To sum up, there is still a platform for lending with ID cards. The most important thing is to do more homework and study, and we must choose a formal platform.

It is not good to use urgent money for credit investigation. Where can I borrow money?

Many friends are in urgent need, but their personal credit is not good or their repayment ability is not good. They are worried that they can't borrow money, so they want to know if there is a platform to borrow money without auditing. Although there are indeed many online lending platforms that can lend without thresholds, they are not necessarily. Let's make a brief analysis today.

Credit information is in urgent need of money. Where can I borrow money?

1360 IOUs

360 IOU is a personal and micro-credit platform under Fuzhou 360 Network Co., Ltd. Relying on the advanced Internet security technology and big data technology of 360 Digital Group, based on massive user credit data and behavior data, it is committed to improving the domestic personal credit information system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient consumer loan financial services for all social groups with financing needs. Borrow from 500 yuan, up to 200,000 yuan, and cash will arrive in seconds. The daily interest rate of the loan is at least 0.027%, and the daily interest rate of 1 0,000 yuan is only 27 cents.

2 Enjoy the loan.

Provide users with professional, intelligent, safe and convenient cash loans. You can complete the loan application online with your ID card, and the loan can be released in 5 minutes at the earliest! According to the actual situation of users, provide a loan line of 20W! The daily interest rate is as low as 0.02%.

What is the threshold?

Hello, there are many platforms available now, and the amount is basically between 5 million and 300,000. You can apply through banks and online loans. Compared with conventional loans, although the amount is low, it is very popular because of its fast lending and flexible borrowing. As long as you choose a formal platform, you can use it with confidence when the funds and information security are guaranteed.

I suggest you use Xiaoman Finance as much as possible, a credit service brand under Xiaoman Finance (formerly known as Baidu Money Flower). Big brands and low interest rates are trustworthy. Xiaoman Finance has money to spend on personal consumer credit products. The maximum loan amount is 200,000 yuan (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

I want to share with you the application conditions of financial management: it is mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Please borrow money reasonably according to your own needs. The specific product-related information is subject to the actual page of Xiaoman Financial APP.

This answer is provided by Du Xiaoman Financial Money Flower. I hope this answer is helpful to you.

Is it a scam to ask Alipay to apply for a loan in person?

This is a scam. It is a low-level scam to apply for a loan or a credit card only by ID card. Don't trust the company whether it is registered or not. The swindler will cheat you to sign the fax contract first, and then cheat you to pay the interest, performance fee and deposit for the first month step by step.

So much for the introduction of non-threshold loans.