At present, the domestic banks with unsecured loan products include Citibank, Ping An Bank and Bank of Ningbo.

Loan companies include prestige cash loan, easy credit, urgent loan and Zhongan credit industry, and there are also a large number of loan companies in various places in the name of guarantee and consultation.

E-financial institutions mainly refer to the websites of everyone's loan model.

Unsecured loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market.

At present, the unsecured loans officially promoted in China are unsecured loans, such as the cash loan group launched by Standard Chartered Bank, which can lend 8,000 yuan to 20,000 yuan. This kind of products launched by banks are also characterized by low quota, high threshold and slow procedures.

The unsecured credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are commonly known as usury. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items, and the actual loan cost is much higher than the publicity interest rate. The first step of the loan preparation procedure

Unsecured microfinance requires us to have China nationality (excluding Hongkong, Macau and Taiwan Province residents);

At the same time, you must be at least 25-55 years old;

Current address must be 6 months, and local work must be 6 months;

At the same time, the most important thing is that the credit card repayment record is good and there is no overdue at present. If you are an office worker, you have to work in your current unit for 6 months.

The second step of the loan preparation procedure

First, the applicant fills in his contact information online and sends the relevant materials to the new loan by mail or fax;

Secondly, the relevant bank will have a special customer service to contact the applicant after receiving the applicant's information; Finally, the applicant submits the relevant materials to the door for approval by the bank. After approval, the bank lends money.

As long as your materials are complete, you can get the account as soon as 1 day.