At present, as one of the few places that does not check credit information, as long as the borrower can submit personal basic information such as identity authentication, operator authentication and bank card binding, he can apply for any money. The maximum amount is 654.38 million yuan, and the service period can be divided into 3- 12 months.

2. Gome Easy Card

Borrowers who want to apply for Gome Easy Card need to meet the requirements of the mobile phone number of the real-name registration system between the ages of 22 and 55, with a sesame score of 600 or above, and have the conditions for applying for credit card or provident fund. Although they will check the credit information, the threshold is not very high.

3. Credit flight

Credit Feifei, which has a good pass rate recently, is mainly aimed at non-student users over the age of 20. At the same time, you can submit information such as identity authentication, face recognition, mobile phone number authentication and Taobao Alipay authentication. , the maximum amount can reach 654.38+ten thousand yuan. The service period can be divided into 3- 12 months.

4. Weibo borrows money

Weibo, an established credit product, requires the borrower to be at least 22 years old and can submit operator authentication, ID card authentication, bank card authentication, work information and face recognition. During the audit, the system passed the whole audit without calling me back.

5. Insurance policy loans

This product is aimed at borrowers who have life insurance and can submit identity authentication, bank card binding and the insured's mobile phone number. When you apply, you don't check the credit information, and you can't borrow money. The interest rate can be as low as 5.5%, and the quota is basically stable.

One. loan

1, loan (electronic IOU credit loan _) The simple and popular understanding is to borrow money with interest.

2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the "three principles" of loans

"Three natures" refer to safety, liquidity and efficiency, which are the basic principles of commercial banks' loan operation. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period of time or realize it quickly without loss of land, so as to meet the demand of customers for withdrawing deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if long-term loans are issued, the interest rate will be higher than short-term loans, and the benefits will be good. However, if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and the loan can be without problems.