First of all, I'm going to the bank to make a personal credit report to see if the detailed credit report is chaotic or the invisible data is chaotic. Generally speaking, the disorder of big data means that there are too many online loan records applied by users, which leads to the disorder of personal network big data. If the user is simply confused by big data, has not entered the online blacklist due to overdue, and has no bad credit record on his personal credit record, then he can still apply for a loan. On the other hand, you can't. If you meet the requirements, you can apply to a bank or a formal loan company.

Loan business conditions:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

1, Xinxiangtong

Xinxiangtong is a personal credit product under Zhuzhou Xinxiangtong Information Co., Ltd. Users can apply for loans in Xinxiangtong, with a maximum credit line of 6,543,800 yuan and a minimum loan of 5,000 yuan. The difference between Xinxiangtong and other small loan software is that the longest repayment period of Xinxiangtong is 3 months, that is, short-term loans.

Users in Tibet and Xinjiang are temporarily unable to apply for Xinxiangtong loan. Users in other regions who want to APPly for empathy can directly register and fill in the information in the app. Xinxiangtong is not strict with users' personal qualifications. As long as the user's personal credit information has not reached the point of "three tired six", you can try to apply.

2. Sweet orange borrows money

Sweet orange loan is a personal micro-credit product paid by China Telecom Wing. Users can choose to apply for a loan directly in Wing Payment, or download the Sweet Orange Loan app. Sweet Orange lends money to users with a maximum credit line of 200,000, starting from 500 yuan. Users with poor credit information can also try to apply, with a minimum daily interest rate of 0.02%.

Step 3 borrow flowers

Borrowing flowers is a personal credit loan product under Ctrip Finance. Users can apply for up to 200,000 yuan and the longest repayment period can reach 36 months. The minimum monthly interest rate for borrowing flowers is 0.6%, and users must be at least 22 years old. Borrowing flowers is not strict with users' personal credit requirements, and users who are not blacklisted can try to apply.