Nowadays, online loans are becoming more and more popular, because online processing can save borrowers a lot of time. However, due to the complicated information on the Internet and the imperfect market supervision system, some borrowers have suffered a lot. So, is the online loan credit loan true? Can I borrow money online with my ID card?

Is the online credit loan true? Can I borrow money online with my ID card?

It does not mean that lending institutions have no requirements for applicants to apply for credit loans. For any loan, the lending institution will require the applicant to have sufficient repayment ability and credit. You can't get a loan just by your ID card or household registration book.

If the lending institution requires the applicant to provide a series of materials such as income certificate, work certificate and bank running water, then the unsecured credit loan mentioned on the Internet is more reliable.

In addition, the authenticity of online loans is difficult to distinguish, and whether it is reliable requires borrowers to have strong screening ability. If the lender is a formal institution, then it is reliable. If you accidentally encounter a phishing loan, it is not reliable. Here are some common screening methods.

1. Speed up the free loan inquiry through industrial and commercial registration inquiry.

To apply for online loans, we must first determine the legitimacy of the loan company. We can enter the company name through the industrial and commercial registration inquiry platform to check whether it is a formally registered loan company. In addition, it is suggested that borrowers can inquire about the information of local formal loan companies free of charge through accelerated loans.

Never pay any fees until the next loan is paid.

Paying first and then lending is the ultimate means of loan swindlers, so as long as you insist on not paying any fees before the loan is successful. I believe that many people have encountered such a situation when applying for credit loans online: before obtaining loans, the other party asked to pay fees, interest, deposits and other fees. Faster loan reminds everyone to be careful. Formal loan companies will charge interest, handling fees and other fees after issuing loans.

Third, after finding a loan company, it is best to visit in person.

Both online lending platforms and offline companies need physical companies to provide services. At present, lending institutions cannot handle foreign applications, so if they can handle it for you, the city must have branches or head offices. Through on-site personal inspection, only in this way can we know whether it has a fixed business place, business license, business license and other procedures. If the loan company you are looking for doesn't have these things, you must be a liar, so you'd better leave as soon as possible.

Four, when signing a loan contract, it must be signed in person.

If the borrower's qualification meets the loan requirements of the loan company, then the loan contract will be signed after approval. At this time, the informal loan company will claim that "the contract can be signed by fax" and so on. In any case, you need to be more careful, knowing that formal loan companies require borrowers to sign contracts in person.

Don't believe the saying that "you can get a loan only with your ID card"!

In fact, most borrowers who apply for credit loans online are not qualified. Some fraud companies have seized the psychological claim that such people are in urgent need of loans: they can borrow money just by their ID cards! Although credit loans require less loan information from borrowers, it is not possible to use ID cards as you think, and only scammers will give such low conditions.

In addition, because credit loans do not require the borrower to provide any collateral (pledge) as a guarantee, the loan interest rate is higher than that of mortgage loans. Everyone must know this and beware of being cheated.

Is the online credit loan true? Can I borrow money online with my ID card? In view of whether the online credit loan is true or not, the above contents have been briefly introduced, hoping to help everyone.

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 check whether you are eligible to apply.

1. After the lightning loan is issued, the cash will be distributed 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 → Borrowing → Lightning Loan" to apply for lightning loan. Your specific limit will be verified according to your business situation in China Merchants Bank. 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, 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 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) 15 minutes, the loan will be automatically approved within 5- 10 minutes, and the loan will be released immediately after approval, and the result will be notified 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 still don't reply after three active contacts, 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, but did not withdraw money: there will be no record of the amount in the credit investigation; Every subsequent withdrawal, there will be a new loan record in the credit information.