1. It is understood that there is no online loan that does not use the real name of the mobile phone. Generally, online lending platforms need real names, otherwise they dare not lend you money. Real name is an important way for the platform to ensure the safety of users' funds. Secondly, the lender must contact you. If you don't, you can still contact you. If you don't provide your mobile phone number, you can't get a loan. Therefore, mobile phone numbers are basically real-name authentication.

2. If the mobile phone number is not from the real-name registration system, you cannot apply for a loan slip. You must have a mobile phone number that has been used for more than 3 months in the real-name registration system to apply. If approved, a loan contract needs to be signed. I suggest that when you borrow money, you must consider your repayment ability in the future, try to get a formal loan platform or bank loan, and make good faith loans and good faith repayments.

Microfinance is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally more than 1 1,000 yuan and less than 200,000 yuan. The treatment process generally needs to be guaranteed. Microfinance is an extension of microfinance in technology and practical application. ?

Microfinance in China: It mainly serves agriculture, rural areas and small and medium-sized enterprises. The establishment of small loan companies has rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises. At present, there are also personal micro-loans for office workers, generally ranging from 1 1,000-5,000 yuan. Most of them don't need mortgage, but the credit and information review is strict.