With the rapid development of internet finance, it has become a habit for young people to apply 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 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 money to spend. 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 platform calculates interest on a daily basis, which is very suitable for users who are temporarily short of money. They can get a loan without a credit card, and the quota 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 platforms can apply without a credit card.
Besides credit cards, what else can I pay by installments? Pay attention to these matters.
Credit cards can be overdrawn without interest and can also provide installment payment services. Cardholders can pay for a product by credit card first, and then repay it in installments, so the repayment pressure is much less. Besides credit cards, there are many products that can be paid in installments. Today, I will give you an inventory.
Besides credit cards, what else can I pay by installments?
1, Bai Hua: Similar to credit cards, there are interest-free overdrafts and installment payments, with a maximum limit of 200,000 yuan. There are two ways to buy flowers by installment, one is to pay by installment at the same time; One is to wait until the bill comes out after payment, the difference is that the repayment time is different.
2.JD.COM Baitiao: Bai Hua's competitor Jingdong Financial Consumer Credit Loan, with a maximum amount of 200,000. Like Bai Hua, there are two kinds of installment payment, one is when shopping, and the other is after shopping. Different from flowers, JD.COM white bars can also be paid in combination.
3. Free payment in Suning: Suning Financial Consumer Credit Loan, with a maximum amount of 300,000 yuan, only supports full coverage payment in Suning Finance, and the amount cannot be withdrawn. You can also shop in stages at the same time, or in stages after shopping.
4. Ping An Small Orange Blossom: The maximum amount of new products of Ping An Finance is 200,000. In addition to borrowing money, the quota can also be bound to Alipay and WeChat payment. After using the amount, you can also apply for installment when the bill comes out. It can be divided into three years at the longest.
The above is the introduction of "what else can I pay by installment besides credit card", I hope it will help everyone. Finally, I want to remind you that no matter what kind of products are used in stages, don't overdo it. After all, you have to pay back after the installment. If you do too many installments, it will also increase the repayment pressure.
How can I buy apples in installments without a credit card?
1, which is purchased by offline stores in installments.
Now many physical stores have cooperated with lending institutions to pay by installments. Users who don't have a credit card can ask the clerk if they support installment payment when buying an Apple mobile phone online. If yes, users can provide ID cards and bank cards and fill in relevant loan application materials to purchase an Apple mobile phone by installment. If the store does not support it, the user can go to a supported store. In-store installment payment, you need to ask the down payment and interest of installment.
2. The online platform is purchased by stages.
There are also many online shopping platforms that support the installment purchase of Apple phones, such as JD.COM, Tmall and Apple official website. In JD.COM Mall, you can buy an Apple mobile phone by installments with JD.COM Baitiao, and in Tmall Mall and Apple official website, you can buy an Apple mobile phone by installments with Bai Hua. On June18, Double Eleven and other event days, some businesses will have interest-free activities in installments, and Apple official website and Bai Hua have cooperation, which can be interest-free for up to 24 installments.
Step 3 apply for a purchase
If users don't have a credit card, the amount of white bars and flowers in JD.COM is not high, so they can't buy Apple mobile phones in installments, so they can apply for some credit loans to buy Apple mobile phones. Both WeChat and Alipay have credit loan products, and users can also apply in some consumer financial institutions. The threshold for applying for credit loans is generally low, and the loan amount is relatively high, so there is no need for mortgage, but it depends on the credit situation of users. If you want to apply for a loan, you must find a formal and reliable lending institution to apply, otherwise it will be easily cheated.
How to go on stage without a credit card?
Question 1: How can I pay by installment without a credit card? First of all, you should have a credit card, and provide your identity certificate, work income certificate, real estate license, deposit, insurance policy and other financial certificates. The bank will approve the credit line for you according to your financial situation, but if you want to use this credit card by stages, you must hold it for more than half a year or 1 year! However, credit cards are easy to handle and smart to use, but they have to be returned after use. Although there is no interest, it will double after the interest-free period. Pay in installments by credit card. Generally, there is a handling fee. Unless you order in installments, CCB, BOC and Ping An all have zero handling fees. Peace is still free. In addition to these specialized banks, objectively speaking, although credit card installment consumption is very convenient and intelligent, the handling fee rate of some goods is much higher than that of banks, and some electronic goods can only be equipped with accessories in installment merchants. Generally, goods that can be phased are more expensive than those sold outside, which is not cost-effective. I suggest that it is more cost-effective to apply for a loan. You can apply for the loan business of local rural credit cooperatives or local banks, but it is recommended to apply online because the loan officers of local banks or rural credit cooperatives may not be professional, but some professional lending institutions are different. They know which bank has this product, which bank has the highest loan amount, the lowest loan interest rate and the longest loan term. Will give you the most suitable loan scheme. If you are interested, you can have a look: it may be helpful to you! Anyway, you can't get a loan, and you don't charge! Good luck!
Question 2: How can I buy a mobile phone in installments without a credit card? Credit cards are very popular now, so it's easy to apply. Mobile phones are generally small, and there seems to be no such installment payment at present. You can give money to your friend and ask him to help you pay in installments. If the merchant really pays in installments, the handling fee and installment fee will definitely be high!
Question 3: My credit card is not in stages. What if the bank is phased? You can download an APP from this bank or follow and bind his credit card center WeChat official account. If there is a large amount of consumption, it is best to call the bank's credit card center and spend it in stages. This is very convenient, and if it is phased, it will also help credit card withdrawal. It doesn't matter if it's not phased. The bank will have a minimum repayment amount after the monthly bill comes out, as long as it is the minimum repayment amount.
Question 4: How to buy a mobile phone online by stages? Do I have to use a credit card? You don't have to use a credit card. Now there are JD.COM IOUs in JD.COM that can be paid in installments. JD。 COM's own limit does not occupy your credit card limit, and it will be deducted from your credit card for repayment every month; Tmall can also be staged. At present, if you want to use Tmall for installment, you can use credit card for installment directly, occupying the credit card quota. Second, you can freeze the corresponding amount in Yu 'ebao and repay in installments. Yu 'ebao can make a profit without occupying the credit card limit.
You can directly search for products that support installment payment on Tmall and JD.COM, and you can use credit card installment, or you can use credit card installment in the official credit card mall.
Offline, directly brush the pos machine, then log in to online banking, and select staging in the staging column. You can set the number of installments according to your repayment ability.
If you don't understand, keep asking ~
Question 5: How to buy a mobile phone in installments without a credit card? Please go to the business hall of the communication company and choose a contract phone number, which can promise all N phone bills every month.
Question 6: Credit cards are not phased. Is the minimum repayment ok? Yes, but you have to pay interest on the unpaid part, five ten thousandths per day.
Question 7: How can I pay in installments without a credit card? Hello, if you have an account with our bank, the one-card (debit card) has no installment function at present. I suggest you apply for a credit card and try to apply for installment. In terms of consumption mode, at present, our credit card has purchase installment at the time of consumption and bill installment after consumption: 1. Shopping by stages: through our special merchants, choose to buy designated goods or services by stages. For the specific charging standard of installment payment and the merchants that can handle it, you can log on to the credit card website of our bank, creditcard.cmbchina/,, and click "Installment Shopping" to inquire; 2. Bill installment (cardholders who only hold business cards or supplementary cards can't apply for it for the time being): If the merchant you shop is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our credit card, which can help you repay the consumption amount in your bill in monthly installments. For details, please log on to the credit card website creditcard.cmbchina/ and click on "Credit Financing"-"Bill Staging" to inquire.
(You can consult the credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: Search for "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center)
Question 8: Can I buy a mobile phone in installments without a credit card? can
Question 9: What does Taobao staging mean? Do you want a credit card? I don't have a credit card. . You don't need a credit card, just bind Alipay and real-name registration system and have online banking.
Question 10: There is no CCB dragon card, only a savings card. How to pay by installment? Your savings card belongs to CCB. You can go to CCB to apply for a credit card, and the repayment can be linked to the savings card, so you can save money every time.
However, it is necessary to ensure that there is enough repayable amount on the savings card, otherwise there will be bad repayment records and personal reputation will be affected.
There is a handling fee and interest for applying for credit card installment. Pay 833 per month in six installments, plus handling fee.
The twelfth installment will be repaid 4 16 every month, plus the handling fee every month.
How can I buy a mobile phone in installments without a credit card? You can try these methods.
Many card friends have started the mode of buying mobile phones by stages, but some friends are very helpless. Because they don't have a credit card, but they don't have the full amount of money, they want to know if there are other channels to buy mobile phones by stages. This is also a fact.
In addition to credit card installment, there are many e-commerce platforms that can buy mobile phones in installments. For example, you can use Bai Hua installment payment on Taobao and JD.COM white strip installment payment on JD.COM. Here is a brief introduction to related matters.
1, Huayuan buys mobile phones by stages:
You can buy a mobile phone in stages in a store that supports flower consumption. There are two stages, one is to buy by stages, and the other is to choose the stage after the bill comes out. Flower buds can be divided into 3/6/ 12 periods, and the total handling fee for each period is RMB. It should be noted that if you buy a mobile phone by stages, your spending quota must be equal to or higher than the price of the mobile phone. If the amount is too low, the payment cannot be successful. We can only find ways to increase the amount of flowers, such as paying off the arrears first, or getting a temporary amount.
2.JD.COM Baitiao buys mobile phones in installments:
JD.COM Baitiao buys mobile phones by stages, just like Bai Hua, which is divided into two stages. Only when the amount of Baitiao is greater than or equal to the price of mobile phone prepayment can the purchase be successful. However, it is different from Baihua. If the amount of IOUs is insufficient, it can also be paid in combination with the bank card, that is, the amount of IOUs is deducted in JD.COM first, and then the insufficient amount is deducted from the savings card.
JD.COM Baitiao can buy mobile phones in 3/6/ 12 installments, and the handling fee for each installment is relatively cheap.
The above is the introduction of "How to buy a mobile phone by stages without a credit card", and I hope it will help everyone. Finally, I would like to remind you that no matter which of the above methods is used to buy mobile phones by stages, you must repay them on time, otherwise you may have a bad credit record after the deadline, which will have a certain impact on handling credit cards and loans in the future.
Can I buy a mobile phone by installment without a credit card?
1. You can buy an Apple mobile phone in installments without a credit card, as long as the purchase channel supports installment without a card.
2. At present, many sales channels support installment payment without credit card, such as Taobao Tmall, JD.COM Mall, Zhongguancun Online ZOL Mall, Pacific Network it Mall, etc. Of course, many offline stores also support installment payment without credit card. Please consult your local dealer for details.
Extended data
How to buy a mobile phone without a credit card:
1, operator temporary storage (contract machine):
Operators push 0 yuan to purchase the machine in stages, but they need to use the mobile phone card to reach the specified time, and the package fee cannot be lowered. This is the cooperation between operators and mobile phone manufacturers. Operators can better promote their mobile phone cards, while mobile phone manufacturers can speed up shipments and make profits. This purchase method generally requires going to a mobile phone shop.
2. White stripes on the online shopping platform:
Generally, this is more reliable, mainly to promote platform consumption, free of charge. For example, we are familiar with online shopping platforms, such as JD.COM, JD.COM, Taobao and Gome. In this way, you can choose the machine directly on the online shopping platform, and then choose the installment when you pay.
3. Direct online loans:
There are many such companies that lend you cash directly, and then you can cash it in installments on the platform. When you get the money to go shopping by yourself, such companies generally earn interest and handling fees, and they are not low, and they do what they can. It doesn't matter if you buy a machine, log on to the corresponding online lending platform, borrow money in installments, and then hold cash as an online shopping/direct entity.