At present, there are many easy applications in the market, which directly adopt the online loan application mode, without providing mortgage guarantee, and you can borrow money entirely by personal credit. If you apply for it, you'd better choose regular institutional products. The loan period is long, which will be safer and less stressful, and will not affect your daily life and work. Friends in need can look at these models:
1, recruit a good term loan
The pure credit consumer loan under Zhaolian Finance has a maximum loan amount of 200,000 yuan and a maximum loan period of 36 months. You can apply online without mortgage guarantee. In addition to meeting the basic application conditions, if the borrower has good credit and has a mortgage, car loan or credit card under his name, it will be easier to pass the examination and the quota will be higher.
2360 IOUs
The pure credit platform of 360 Finance has the longest loan term of 12 months, the loanable amount is as high as 200,000, and the daily interest rate is as low as 18-55 years old. People with good credit information can borrow money without mortgage guarantee.
3. Arbitrary loans
Suning Finance has a pure credit loan with a maximum amount of 50,000 yuan, the longest loan term of 15 months, and the interest as low as 22-55 years old to meet the basic conditions. After submitting the loan application online, the system will automatically approve the loan.
4. Hey, salary
Haier's consumer finance platform, with a maximum amount of 200,000 yuan, can not only consume by stages, but also support credit loans. The longest loan period is 24 months, and the application conditions are very simple. The age is between 18-60 years old, with stable income and good personal credit information.
What are the more reliable loan platforms?
It is recommended to choose formal channels to handle loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through the mobile banking app, or you can check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.