With the rapid development of internet finance, it has become a habit for young people to apply for small loans through mobile phones. Loans and credit cards have always been one of the fastest ways to obtain funds. There is no need to speak to relatives and friends. As long as there are places, the problem of lack of money can be solved. But the credit card threshold is relatively high, and not everyone has a credit card. So what loan can I apply for without a credit card in the market now?

1, Suning pays at will.

The micro-loan products of Suning Consumer Finance Company have the characteristics of low threshold, large amount, fast payment, many concessions and flexible payment. Generally speaking, the amount of arbitrary payment for the first application for Suning will be relatively low, ranging from 3,000 yuan to 8,000 yuan, and the amount of qualified individual users can be very high, reaching tens of thousands. Frequent use of arbitrary payment and multiple installments will help to increase the amount.

2.JD.COM gold bars

JD.COM Gold Bar is a pure credit loan product under Jingdong Finance, which allows you to withdraw cash directly. In fact, JD.COM Gold Bar is an upgraded version of JD.COM White Bar, which gives everyone more autonomy in spending money. The loan amount is relatively large, up to 200,000. Everyone can borrow money by binding their own bank cards and credit cards. The better the credit, the greater the credit limit.

3,360 IOUs

360 financial micro-loan platform, which calculates interest on a daily basis, is very suitable for users who are temporarily short of money. They can borrow money without a credit card, and the amount is hard to grab. You can try.

In short, in order to control risks, lenders require borrowers to bind credit cards and submit credit card bills. After all, it is generally better for users with credit cards to collect credit information, because they cannot handle cards with overdue records. But most microfinance platforms can apply without a credit card.