If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also check whether you are eligible to apply. Whether the application can be successful is subject to the system approval results.

1. Basic conditions for lightning loan application:

① Holding a one-card savings card of China Merchants Bank;

② The age is generally between 23 and 60 years old, and the age plus loan period is generally not more than 60 years old;

(3) It has the ability to repay on time, has no illegal acts, and has good credit;

Whether you can get the application qualification and how much quota you get depends on the evaluation results of the system, and manual intervention is impossible. The longer you spend in China Merchants Bank, the more likely you are to get a lightning loan.

2. The flash loan application only supports mobile banking. You can log in to mobile banking, click My → All → Borrow, and apply for lightning loan.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. The minimum amount of a single withdrawal is 1000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1000.

4. You can apply for the lightning loan every day, and the year-end settlement or holidays may be suspended, subject to the tips on the application page.

Loan time loan description (click on the loan, and the system will judge what kind of loan time it is)

15 minutes? It will be automatically approved within 5- 10 minutes, and the loan will be released immediately after approval, and the result will be notified by SMS. ?

Within 24 hours? There will be a phone call within 24 hours to verify the confirmation information and arrange the loan as soon as possible. ?

Tips: You cannot directly query the approval progress. If you don't receive an outgoing call or exceed the time limit for power verification, you just need to call back for approval within working days.

5. After the lightning loan is issued, the cash will be automatically distributed to the current account of China Merchants Bank savings card. Funds can be used for daily credit card consumption, car purchase, cash withdrawal, transfer to peers or banks, etc. , and shall not be used for mortgage repayment, investment and wealth management, securities funds, stock market, real estate and other directions; In case of illegal use, China Merchants Bank has the right to suspend the loan amount and demand early repayment.

(reply time: July 3, 202 1. Please refer to the latest business changes announced by China Merchants Bank in official website. )