1. Mortgage loan: The borrower provides valuable assets such as houses and vehicles as collateral in exchange for loans. Because there is collateral as a guarantee, there is no need for credit inquiry.
2. Micro-credit loan: This kind of loan usually has a small amount. The borrower does not need to provide collateral, and issues loans after reviewing personal basic information and economic situation. Although there is no credit investigation, there are certain requirements for the borrower's income and repayment ability.
3. Peer-to-peer lending: Some 3.P2P platforms are not strict with the borrower's credit history. Borrowers can prove their repayment ability by submitting materials, such as income certificates and work certificates.
4. Internet consumption installment platform: This platform usually cooperates with merchants to provide installment payment services, and only requires borrowers to provide basic information such as ID cards and bank cards to apply for installment shopping without checking credit information.
To sum up, online loans that do not check credit information mainly include mortgage loans, micro-credit loans, P2P peer-to-peer lending and Internet consumption staging platforms. Although these loan methods do not require credit reporting, borrowers still need to meet other qualification requirements and bear corresponding borrowing responsibilities.
Extended data:
-Micro-credit loans usually have high interest rates, and borrowers need to know the relevant fees and repayment methods in detail before applying.
-P2P industry supervision has been gradually strengthened in P2P lending, and some bad platforms have emerged. Please choose a legal and reputable platform for lending operation.
-Borrowers should also be careful not to exceed their repayment ability when using the Internet consumption staging platform, so as not to be unable to repay due to excessive borrowing.