At present, formal credit loans need to upload vouchers. If the loan platform does not require customers to provide vouchers, the application threshold is very low. Such platforms are basically established without the approval of the CBRC and do not hold financial licenses. Therefore, even if customers can easily borrow money, there is no security guarantee, and it is easy to meet lenders or cause personal money losses. It will be better for customers to apply for loans from licensed consumer financial institutions approved by the CBRC. You can rest assured that uploading ID cards will not bring any adverse effects, and licensed consumer financial institutions will not intentionally disclose customer information. As long as the customer pays attention to repayment on time within the specified repayment period after borrowing money, there is generally no problem (if it is overdue, personal credit will be damaged).
Classification of personal credit loans:
1, monthly loan
Monthly loan is a credit loan based on the multiple of the borrower's existing loan (mortgage flow), and it can also be said that it is a loan product for the homeowner to repay the mortgage. It should be noted that the monthly mortgage loan is different from the real estate mortgage loan, which requires both husband and wife to come forward. The real estate belongs to the same real estate, and both husband and wife should check their own credit information. In the monthly payment, whoever is reflected in the credit report of the mortgage can apply.
2. Insurance policy loans
The policy loan comes from the cash value of the policy. Only life insurance, dividend insurance, traditional critical illness insurance and other insurance with cash value can apply for policy loans. In the process of policy loan, the growth of interest and cash value of the policy is not affected.
3. Provident fund credit loan
Provident fund credit loan is a credit loan applied by individual provident fund. Lenders are mostly banking institutions, with low interest and flexible repayment methods. They can pay interest first, then the principal, or they can repay it with a loan. The loan amount can be used for tourism, decoration and other consumer purposes. Be careful not to confuse provident fund credit loans with provident fund loans to buy a house. Provident fund loans to buy a house can only be applied to mortgage, rental and decoration. Borrowers who apply for provident fund credit loans are generally qualified, mostly people with stable income, strong willingness to repay and low risk in lending channels, so the interest rate of such products is generally low.
How can I make a small loan without uploading my ID card?
The micro-loan method without uploading ID card is as follows.
1. User's WeChat or QQ has completed real-name authentication. Users apply for small loans through WeChat account or QQ account. During the application process, users do not need to upload additional ID photos.
2. Micro-loan is a micro-credit loan product launched by Weizhong Bank for mobile phone WeChat and QQ users. The loan amount can be recycled. The maximum loan amount is 300,000, and the daily interest rate is 0.02% to 0.05%. At present, the opening of micro-loans is by invitation, and users cannot open micro-loans by themselves.
202 1 Is there a loan platform without an ID card? Look at these!
Many people don't want to leave a record when applying for a loan. For example, a user asked 202 1 if there is a loan platform with an ID card? Let's talk about this problem briefly, and I hope everyone will find it helpful after reading it. If you are interested in the products introduced, you can also apply.
202 1 Is there a loan platform without an ID card?
The ID card is the only voucher for each user and the most basic information for applying for a loan, so it is indispensable (some accounts can be replaced). Generally speaking, after providing your ID card, bank card and mobile phone number, you can apply by filling in the information according to the page prompts on the APP, such as the following products.
1. Borrowing: a loan product of Ctrip Finance, with a credit line of 500,000-200,000, a loan term of 1- 12 months and a monthly interest rate.
2. Easy consumption: immediately consume financial products, with a credit line of 1 0,000-200,000, a loan term of 1- 12 months, and a minimum daily interest rate of 1 minute.
3. Lend it to you: it has the characteristics of simple information and quick approval. The credit line of the loan is between 1, 000-50,000, and the loan term is 1-3 months. Applicants should be between 22 and 55 years old, have used mobile phones in the real-name registration system for more than 6 months, and have a good personal credit record.
4. Bean money: the credit line of the loan is between 30 million yuan and 50,000 yuan, the loan period is 3-24 months, and the loan interest rate is between13% and 36%. Just upload the information on the client.
The above is about "202 1 Is there a loan platform without an ID card?" Generally speaking, you need an ID card.
What are the advantages and disadvantages of borrowing without an ID card?
You don't need an ID card to borrow money. There are hairtail, Ma Yun wallet, Wan Jinhua and so on. Hairtail is a new popular mobile phone recycling category. At present, it is in the water release period, and it is purely mechanical inspection. It doesn't need to upload ID photos, but can apply online as long as its real-name mobile phone number is authenticated.
Disadvantages of borrowing without ID card
However, it should be noted that if the loan platform does not require customers to provide ID cards, the application threshold is very low, and such platforms are basically established without the approval of the CBRC and do not hold financial licenses. Therefore, even if customers can borrow money easily, there is no security guarantee, and it is easy to meet lenders or cause personal money losses.
Does it matter that 360 IOUs didn't upload ID cards?
Have an impact.
If you don't upload your ID card, you can't pass the real-name authentication and data review of 360 IOUs, and 360 IOUs can't pass your loan and loan application. You need to upload your ID card again before you can continue the following process.
360 IOU is a credit technology service brand under Qifu Technology. In February 2023, the 360 brand was renamed Qifu Technology.
This concludes the introduction of loans without uploading ID cards and loans without ID cards. I wonder if you have found the information you need?