It is recommended to choose formal channels to handle the loan. If you need to Apply for a small cash loan, China Merchants Bank has launched a lightning loan business. At present, you can apply through the mobile banking app or check whether you are eligible to apply.

1. After the lightning loan is released, the cash will be distributed to the designated account, and the 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 → Borrowing → Lightning Loan" to apply for lightning 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 limit does not exceed 3,, which is 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 "Lightning Loan" module of online banking to check your maximum application amount. The minimum amount of a single withdrawal is 1 yuan, and the maximum amount does not exceed the limit, and it needs to be an integer multiple of 1.

4. There are two ways to apply for borrowing and lending within the lightning loan limit:

(1) Lending within 15 minutes will be automatically approved within 5-1 minutes, and lending will be made immediately after passing, and the result will be informed by SMS

(2) Lending on T+1 will be verified by phone within T+1 days, and lending 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 5-1 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

② There will be a query record on the credit information when the lightning loan is established. If you only succeeded in establishing the amount, but did not withdraw money: there will be no record of the amount in the credit investigation; For each subsequent withdrawal, there will be a new loan record in the credit information.

(response time: July 4, 222. The above contents are for your reference. In case of business changes, please refer to the latest business rules. )

Tips: If you have any questions, please call the official customer service hotline or contact China Merchants Bank APP for online customer service consultation.