Although an application can be made, when the user's debt ratio is too high, even if the user has no record of overdue repayment, the provident fund may refuse the user's loan application, which will bring some negative effects to the loan. When users apply for provident fund, the provident fund center will comprehensively evaluate the qualifications of users. When it is found that the user's debt ratio is too high and the loan records of several lending institutions are shown in the credit report, the user's qualification will be considered poor, which will lead to loan failure.

Can I get a loan without checking the credit information within three months?

If the loan amount and loan application are not tested on any loan platform within three months, or the credit card application is not submitted to the card issuer, the loan application will not be affected by too many credit inquiries.

If there is no overdue situation in the credit report at this time, the debt level is low, and the return on assets meets the requirements of timely repayment, then the loan application is very likely to pass.