First, a borrowing platform with insufficient comprehensive scores.
In fact, the application threshold of each lending institution is different, and different standards may be adopted. Therefore, if you get the same application materials in this institution and are rejected, you may successfully go to another platform, so you can apply for more platforms, such as the following lending platforms with lower thresholds.
1, willful loan. Suning Financial's consumption staging platform, with a maximum amount of 300,000 yuan, can be recycled, and the term can be freely selected in 5, 10 and 15.
2. Gome Easy Card. The loan amount is between 500 and 5000 yuan, and the loan can be released in 3 minutes at the earliest, and the longest term is 12 months.
3. Loan: interest: 0.8%/ month interest rate; Loan term: June; Loan amount: 500-50000 yuan, loan conditions: 18 years old or older, real-name authentication, face recognition, bank card binding.
4. Online loan with insufficient comprehensive score of malt loan: Malt loan is an extremely fast microfinance product, which can provide two loan modes. The first ultra-fast micro-loan amount is between1000-2,000 yuan, the daily rate is about three thousandths, and the loan term is 10-45 days; The second credit installment is 3000- 10000 yuan, which supports 3- 12 installment.
Second, what do you mean by insufficient comprehensive score?
This is the most popular credit evaluation method at present, which mainly calculates a score according to the borrower's personal information, assets, credit and institutional consumption. Lending institutions will set a passing line in advance. If the borrower's comprehensive score is unqualified, the loan will be refused on the grounds of "insufficient comprehensive score".
The comprehensive score will refer to housing (rental, mortgage, full payment, number of sets, value), work (income, years, unit, position), credit card (bank, bank, consumer repayment, number of sheets), credit investigation (overdue, credit record, number of inquiries), age, marital status of the people, city and so on, which is very complicated.
If the comprehensive score is insufficient, users can try to apply for other online loans. Different online loan review standards are different. For example, the comprehensive score of the audit result of A loan is insufficient, but users can pass the loan audit when applying for B loan. Therefore, when users apply for loans, if the comprehensive score is insufficient, they can try to apply for other loans, and other loans have a certain chance of passing the audit.
However, users have been applying for a loan, or focusing on applying for a loan from a money-burning bank, and they have been evaluated with insufficient comprehensive scores. Multiple loan applications cannot change the audit results.
Are there any loans that don't read the credit report or the comprehensive score? It's easy to apply for these products!
Personal credit is still very important when applying for a loan, and some users will be more worried because of bad credit. Some users have asked if there are any loans that don't look at credit information and comprehensive scores? Then let's briefly talk about this problem for everyone, hoping to help after reading it.
Are there any loans that don't read the credit report or the comprehensive score?
There is no such loan. After all, the platform needs to be evaluated when accepting audit applications. If the user's credit is not good, you can mention it first and then try the following products.
1. Lend it to you: users need to be 22-55 years old, have a mobile phone number that has been used in the real-name registration system for 6 months, the credit line of the loan is between 1000-50000 yuan, the loan term is 1-3 months, and the daily interest rate is around. It has the characteristics of simple information and quick approval.
2. Huaya Lending Treasure: Users need to be between 22 and 45 years old, with a credit line of 300-65438+10,000 yuan, a loan period of 3- 12 months, and a daily interest rate as low as 1,000. Users can provide their ID card, mobile phone number and bank card when applying.
3. Zhaolian Good Term Loan: For the products of Zhaolian Consumer Finance, users need to be 22-55 years old, with sesame score of 600 or more, with the lowest daily interest of13,000 yuan and the longest installment of 24. You can apply by providing your mobile phone number, bank card and ID card of the real name registration system.
4.JD.COM Gold Bar: a loan product of Jingdong Finance, with a credit line of 1 0,000-200,000, a loan term of 1- 12 months and a daily interest rate as low as 200,000.
The above is about "Is there a loan that doesn't look at the credit report or the comprehensive score?"
Is there a platform for borrowing money even if the comprehensive score is insufficient? Take stock of some software with low credit score that can lend money.
As we all know, when applying for a loan, no matter which financial institution, there will be certain requirements for the qualifications of the borrower. Especially the comprehensive credit score, the higher the credit score, the higher the borrower's integrity, and the higher the loan amount that can be applied for. Is there a platform for borrowing money even if the comprehensive score is insufficient? I gave each person five!
Is there a platform for borrowing money even if the comprehensive score is insufficient?
1, Gome Easy Card
Gome Easy Card is an online lending platform owned by Gome. The maximum loan amount that users can apply for is 1.5 million yuan, the minimum credit amount is 1.0 million yuan, and the longest loan period that users can apply for is 36 months. Of course, Gome Easy Card also holds a consumer finance license, and the loan can be completed in 5 minutes at the earliest.
2. Zhaolian Finance
The loan interest of Zhaolian Finance is calculated on a daily basis, and the minimum daily interest rate is that the maximum loan amount that the borrower can apply for is 200,000 yuan. The better the borrower's personal qualifications, the lower the loan interest rate that can be applied for.
3. Zhongyuan Consumer Finance
The minimum credit line of Zhongyuan consumer finance is the same as that of An Xinhua, 1 0,000-200,000 yuan. Users who want to apply for the Central Plains consumer finance loan must be at least 22 years old, non-university students, and users in Tibet temporarily do not support the application.
4. Doudou money
The minimum credit line of Doudou Money is 3,000 yuan, and the maximum credit line is 50,000 yuan. Doudou Money requires that the borrower's credit level is relatively high and there can be no credit stain. The borrower needs to be between the ages of 20 and 50.
5. Ctrip Finance
Ctrip Finance is a financial service platform under Ctrip, including a variety of small loan products. The loanable amount of each small loan product is different, and borrowers can apply for loans according to their own needs. Ctrip Finance supports borrowers to apply for loans of up to 200,000 yuan.
The above is the related content sharing of "a platform that can borrow money even if the comprehensive score is insufficient". I hope it will help everyone!
Loans that do not require a comprehensive score
Loans that do not need a comprehensive score are:
I'm here to borrow money, the loan amount is 3000-50000, and the loan period is 2- 12 months.
Flash silver, application entrance: download app, loan amount: 100-50000, loan term: 2- 12 months.
Cao Caodai, loan amount: 500-3000, loan period: 7-42 days.
Personal credit scoring refers to the quantitative analysis of consumers' personal credit information by credit evaluation agencies using credit scoring model, which is expressed in the form of scores. It refers to the comprehensive investigation of the internal and external subjective and objective environment that affects individuals and their families by using scientific and rigorous analysis methods, and the comprehensive judgment and evaluation of their ability to fulfill various economic commitments.
For different applications, the credit score is divided into
Risk score, income score, responsiveness score, customer churn (loyalty) score, collection score, credit card issuance audit score, mortgage loan issuance audit score, credit line approval score, etc.
Comprehensive credit risk score-Pengyuan 800 points
At the end of April 2005, Pengyuanzheng Letter Co., Ltd. independently developed a personal comprehensive credit risk score-"Pengyuan 800", which officially provided credit rating inquiry service for credit reporting institutions and individuals.
"Pengyuan 800" makes a statistical analysis of personal credit information by establishing a mathematical model, predicts the possibility of future default risk, and comprehensively reflects personal credit status with a score.
The credit scoring system has six grades, ranging from 320 to 800. Every 80 grades, the personal credit status is quantified in detail, and each score corresponds to a default probability. The higher the score, the lower the risk of default.
The scoring model selects more than forty variables related to personal credit, which are divided into four categories: personal basic information, bank credit information, personal payment information and personal fund status. Among them, the weight of bank credit information is the largest, close to 50%, and the other three categories are roughly equal.
At present, only 25% of the total population have bank credit records in the database of the credit information system. Because bank credit information is the most important variable affecting personal credit status, for customers without bank credit records, the model selects other variables related to bank credit instead. In the future, with the gradual improvement of data, we will add more variables to the model to continuously improve the accuracy, precision and universality of the model.