Borrowing members, but senior members of formal lending institutions may borrow a large amount of money, but it does not mean that you must apply for membership if you borrow money. If you are asked to apply for membership from the beginning, it will prove that this lending institution is fake. Don't believe it easily, or investigate whether this company has formal qualifications.

First, why should loans be open to members?

Lending members is just a marketing tool of the platform. After opening the membership, it can provide services such as deferred repayment, priority audit and priority loan. This membership fee was charged before the loan was successful. However, opening a member is not 100% chargeable, and it is necessary to evaluate the credit status of users.

If the qualification conditions are not good after opening the membership, the loan will also be rejected. On the other hand, even if you don't open a member, those with good qualifications can make the next payment. I'm afraid that some platforms are forced to open members, and if they don't open members, they won't be allowed to submit loan applications. Moreover, there will be potential risks in such platforms, so it's better to touch them less.

Second, then, is there a platform for borrowing money without membership?

Yes, you can try the low-threshold loan products launched by these regular licensees.

1, comfortable flowers

The pure credit loan for instant consumer finance can provide a loan amount of 1-200,000, the longest loan term is 1 year, the lowest daily interest rate is 0.02%, and the handling fee for borrowing10,000 is only 2 yuan per day. The application materials are simple, as long as you have an ID card and a bank card, you can apply, and if your qualifications meet the standards, you can not open a member loan.

2360 IOUs

360 Finance launched a pure credit loan with a maximum amount of 200,000 yuan, which was borrowed from 500 yuan. The loan period is long, with the longest loan period of 65,438+02 months, which is suitable for long-term capital turnover. Without mortgage guarantee, you can directly submit the loan application online and get the loan amount in 5 minutes at the earliest. You can get the money on the same day without opening a member.

3. Ten thousand E loans

The pure credit loan launched by Wanda Hewlett-Packard has a maximum loan of 50,000 yuan, and the daily interest rate is as low as 0.02%, so the repayment pressure is relatively small. You don't need to be a member to apply. It is required that the borrower 18 is over the age of one, has a stable job and income, provides an ID card and a bank card to complete the authentication, and it will be approved within 3 minutes at the earliest.