Lenders also don't look at the opening of loans that can be made on the day of credit reporting liabilities. The cost is not expensive and the information is simple. The maximum amount is 5000 yuan. You don't check credit information or big data, but you must ensure the truth when filling in the information.

2. Copper loan

Copper money loan is a loan that does not look at credit information. Even if you are in debt, you can apply for a loan. Relying on mobile internet technology, we are committed to continuously improving the user service experience, and only need ID card+mobile phone number for three minutes to quickly grant credit.

3. East Gate E Loan

Dongmen e-loan is one of them that can lend money on the same day without looking at credit liabilities. The loan amount is large, and you only need an ID card to get a loan of up to 50,000 yuan. The longest loan period of this project is 90 days. In addition to interest, a certain handling fee will be charged according to the loan amount.

Step 4 kiss microfinance

Pro-small loans do not look at credit loans. It is an online loan with a maximum loan of 1 10,000 yuan. There is no occupational income limit, and the loan will arrive on the same day.

1, qualification risk

Online lending is different from financial institutions. Financial institutions are managed by "net capital". Banks and trust companies must have their own registered capital, ranging from several hundred million to more than one billion or even billions. Moreover, registered capital is not used for doing business, but a guarantee and a "threshold". However, due to the low threshold of online lending companies, the government has not yet issued guidance, and platform software can be bought from thousands to tens of thousands. Many people who owe a lot in private lending have bought platform virtual borrowers and virtual mortgages to attract investors to invest at high interest rates. High interest rates are generally at least 30% per year, and individual platforms reach 50% to 70%.

2. Managing risks

Peer-to-peer lending seems simple, but it is actually a more complicated model than financial institutions such as banks. P2P online lending is a new industry and an innovative model of the financial industry. Its development process is only a few years, and the market has not yet reached a mature stage. Many investors and borrowers do not treat this kind of financial products correctly, but blindly pursue high returns, while those who need funds are eager to cash out. As an online loan company itself, because the original intention of its establishment is only to make profits, its organizational structure lacks professional credit risk management personnel, and it is difficult to grasp and deal with the problems in the operation of the platform, resulting in a large number of bad debts, and finally it can only close down.

3. Capital risk

Paying attention to a P2P online lending platform is also crucial for investors' capital flow. Many online lending platforms not only do not use third-party fund management platforms, but also can use investors' funds. In particular, some online lending platform bosses borrow tens of millions from the platform for their own operations, so as to realize self-borrowing and self-use. The risks are not controlled by anyone and are not borne by anyone. The huge financial risk hidden behind it can only fall on investors, which is why many platforms can run away. At present, the safest way is to put investors' funds on the third-party payment platform for supervision. As a platform, the use of investors' funds should be strictly controlled. Only in this way can we increase the protection of investors' funds.