The loan software that does not inquire about credit information includes: lightning loan, Kung Fu loan, Xiaohua wallet, love learning loan, Erbaitiao, fun loan bar, building blocks, cash white card and so on. Although you don't check the credit information, the conditions of the borrower are still there. Generally, you need to have a long-term mobile phone number, bank card, 18 years old or older.
1. Credit information records an individual's past credit behavior, which will affect an individual's future economic activities. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
Two. 201212 on February 26th, the State Council's premier Wen Jiabao presided over the the State Council executive meeting, which deliberated and passed the "Regulations on the Administration of Credit Information Industry (Draft)". The meeting pointed out that the credit information industry is an industry that provides credit information services in the market economy. Credit information service can create conditions for preventing credit risks, ensuring transaction safety, and promote the formation of a social environment in which honest people benefit and those who break their promises are punished. China's credit information industry has grown from scratch, its role has become increasingly apparent, and the credit information market has begun to take shape. The Regulations on the Administration of Credit Information Industry (Draft) regulates the credit information business activities of collecting, sorting, storing, processing personal or enterprise credit information and providing it to information users. The draft stipulates that the People's Bank of China and its dispatched offices shall supervise and manage the credit reporting industry according to law. The draft stipulates strict market access conditions and corresponding approval procedures for credit reporting agencies to engage in personal credit reporting business, clarifies the scope and behavior norms of credit reporting agencies to collect, store and provide credit information, and clarifies the rights of information subjects.
Third, the generation of credit investigation activities stems from the generation and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage. The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and even the whole world, it will be extremely difficult for one party to know the credit status of the other party. At this time, understanding the credit status of market participants has become a demand, and credit investigation activities have also emerged. It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.
Which loan software does not need credit reporting?
There are many loans that do not require credit reports, as follows:
1. Loans that don't require credit investigation include pat loan, credit wallet, kiss loan, Dafeiyun loan, me loan, mobile phone loan, you-me loan, finger loan, Cao Cao loan, malt loan, flash silver loan, magic lamp loan, Beijing Jiufu loan, magic cash, flowers for you _ silk loan, you-me financial loan and credit. Quick Loan, Didi Good Loan, Butyl Loan, Wanda Loan, American Loan, Lebao Loan, Want to borrow money, Quick Loan, Quick Loan Bear, Sweet Orange Small Loan, Blue Collar Loan, Mavericks Loan, Cash Bus, Pratt & Whitney Quick Loan, Atomic Loan, Meme Loan, Renren Loan, Xinshan Loan Hi Seconds Wallet, Lightning Loan, Reading Seconds Loan, Xiaohua Wallet, Xiaomi Finance and Fun Loan. The following is a detailed introduction of some loans.
(1) I came to borrow money. This is a mobile loan application designed for young people. There is no need to check the credit. It is the fastest-growing micro-mobile loan product for college students and white-collar workers in China.
(2) Easy to borrow money is an interesting start. You can pay without checking the credit. The loan amount is less than 3000 yuan, and the service life is fixed at 7 days. But you must have a real-name mobile phone number and Alipay. I don't think much about credit investigation.
(3) For cloth wallets, if you don't look at credit loans, I suggest you try cloth wallets. As long as more than 500 sesame seeds can be provided, the pass rate will be greatly improved.
(4) Internet financial service platform provides users with short-term services. Generally speaking, I don't read credit surveys.
Harm of loan
1. If it is a penalty interest, 50% interest will be charged.
2. You can't enjoy preferential loans or even apply for loans.
3. Have bad credit records, which will affect the handling of loans and credit cards in the future.
4. Narrowing the blacklist even affects children. For example, children can't go to key schools
The bank wrote a lawyer's letter to sue: if it is not returned for more than 3 months, it will be very serious! The loan bank will urge the loan to be received in accordance with the law and bring a lawsuit to the court according to the loan contract and guarantee contract. Measures such as property preservation will be taken, including freezing deposits in all bank accounts of lenders and loan guarantors, and sealing up collateral and pledge.
What software borrows money without credit?
An important prerequisite for a lending financial institution to lend a loan to a lender is to examine the lender's personal credit report, which is also one of the decisive factors of the loan. So, what loan apps do not need credit information? I believe you will be interested in it. Today, the small series of the Legal Express will give you an in-depth understanding of this situation. Below, please see the detailed introduction.
1. What loan apps don't need credit information?
1. WeChat flashes silver. Wechat Flash Silver is also a loan app that doesn't look at credit information. Mainly for students two years before graduation and professionals five years after graduation. It has small amount, low rate and short term. Generally, credit can be granted in three minutes after application, and the loan speed is very fast.
2. borrow money. Although the borrower can define the loan amount by himself, Lending Bao will set a maximum loan amount as a limit. Maximum loanable amount = (number of friends x2000)- net loan, which can not exceed 654.38+00,000. Although the quota will make everyone hard to prevent, it is also a loan app that does not look at credit information.
I accept the loan. My loan is the fastest micro-mobile loan product for college students and white-collar workers in China. Providing a line of1.500-20,000 is also a leader in loan apps that do not look at credit information.
4.QQ cash loan. Small cash loan business with loan amount 1-3000 RMB and loan term 1-30 days. It mainly serves the group of mobile QQ borrowers, and has the characteristics of convenient and flexible loan repayment method, real-time approval and quick receipt.
5. Get a loan. Borrowing money is a loan app that has no job and does not look at credit information. Lenders only need to provide their ID cards, so they can lend money quickly and do not approve work every second.