In terms of credit loans, there is usually no specific limit on the number of loans. As long as users can pass the loan review, they can apply for credit loans from many banks. At the same time, applying for credit loans from multiple banks may cause doubts about long-term lending, so the probability of users applying for loans again may gradually decrease. However, if the user's credit status is good and the credit qualification is excellent, it is allowed to hold multiple credit loans.

Credit loans are usually used for small loans, which are characterized by low loan amount and short repayment period, so users' repayment ability is not high. As long as users have certain repayment ability, they basically have the opportunity to apply for credit loans. If users apply for credit loans from multiple banks, as long as there is no record of overdue repayment, it will not adversely affect the subsequent application for other loans.

What is a credit loan?

Credit loan is a kind of loan issued according to the borrower's credit status and does not provide guarantee. Its main feature is that borrowers do not need to provide collateral or third-party guarantee, but only rely on their own reputation to obtain loans, and the borrower's credit degree is the guarantee of repayment. For a long time, this kind of credit loan has been the main loan method for banks in China.