First of all, common formal apps that can borrow money include Alipay, WeChat, Anyihua and you and me.

1, Alipay: Alipay is the most common payment software. You can apply for borrowing money by clicking Ant Borrowing on Alipay My page, but Ant Borrowing is only open to some Alipay users at present. This product is believed to be familiar to all Alipay users. It is a loan service platform launched by Alibaba. The big database behind the platform will provide different quotas for different users according to sesame credit scores. The maximum amount can be up to 300,000 yuan, and the longest repayment period is 12 months, which supports loan-as-you-go repayment.

2. WeChat: Log in to the WeChat client and click My-Pay-Micro-Loan in turn to borrow money. Microfinance is only open to some users. If you don't see micro-loan on the payment page, it means that it is not open to this user at present.

3. An Yihua: An Yihua is a credit product under the Consumer Finance Company, and the loan amount ranges from 1 10,000 to 50,000 yuan.

4. Your loan: Your loan is a peer-to-peer lending platform. You can apply for a loan by downloading the loan app on your mobile phone.

Second, what should I pay attention to when borrowing an app?

First, choose the loan amount and term reasonably. The amount of the loan needs to be determined according to your own economic situation, and you need to consider your own economic repayment ability to avoid excessive repayment amount and excessive pressure. Generally speaking, the loan term means that the interest will increase with the increase of loan time, so we should try our best to choose a loan with time and interest within our repayment ability according to our own situation.

Second, we must carefully check the relevant contracts of the online lending platform to avoid regulations that are not in line with our own reality or are unacceptable to us.

Third, be rational when repaying. While being able to repay each loan, it is best to use the remaining funds to invest in other things, so as to obtain the maximum profit. Many people cheated by online loans did not read the relevant contracts and regulations carefully, which led to their failure to have a good legal advantage when winning the case. If you are a college student, it is not recommended to use online loans, because you have less experience and can't tell the difference between true and false, and you may be tempted by fake online loans, resulting in heavy debts. Article 26 of "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases" promulgated by the State Council defines the interest rate ceiling and the rights of lenders in the lending relationship.

Is there an online loan that doesn't require a credit card? Try these.

Credit card can not only overdraw consumption, but also help you to establish credit by using the card, and make good use of the card to establish a good credit record, which is conducive to online loan application. But some people want to borrow money without a credit card, and they will ask if there is an online loan without a credit card. This is available. It's easier to apply for several today.

Is there an online loan that doesn't require a credit card?

In fact, you don't need a credit card to apply for an online loan. In order to ensure the safety of funds and information privacy, it is best to apply for online loans from licensed financial institutions, but these have to go through credit reporting. People with credit cards can learn about the borrower's spending power and repayment ability from the credit survey. For example, many people who don't have credit cards are white households, and it will be more difficult to get loans, but they can apply for these low-threshold online loans.

1, Wanda-Anhui e loan

Net loan Pratt & Whitney's pure credit loan can be applied without a credit card. It is required to be at least 18~55 years old, with good credit information, provide ID card+real-name registration system mobile phone number+my bank card to complete the authentication, and the loan can be made after the quota is issued. If the system is approved, you will borrow money, and the daily interest rate is very low, so you will not lend money to students.

Step 2 have money to spend

This is also an online loan that does not require a credit card. It is operated by Xiaoman and cooperates with banks to lend money. It requires a high credit rating for borrowers, has no bad credit record, and is over 18-55 years old. Just provide the second-generation ID card, bank card and mobile phone number. If you borrow money beyond the limit, you will need a second review, and if you pass, you can get the money.

3,360 IOUs

360 Finance can apply for credit loans without mortgage guarantee, and it pays more attention to the borrower's credit and repayment ability. It requires the borrower to be at least 18~55 years old, have good credit and stable income, provide the mobile phone number of the real name registration system, valid ID card, and bind the savings card before borrowing.

The above is "Is there an online loan that does not require a credit card?" Introduction of. I hope it will help everyone.

What are the low interest rates of non-credit card lending platforms? Urgent need for capital turnover. Try these models.

Many people are in urgent need of money and want to borrow money, but they have never applied for a credit card and are worried that they will not be able to borrow it. In fact, many loans can be borrowed without a credit card, and a considerable number of loans have low interest rates, which are especially suitable for people without assets to apply. So, what are the low interest rates without a credit card lending platform? Let's take a look at it for everyone.

What are the low interest rates of non-credit card lending platforms?

1, JD.COM gold bar

The credit loan launched by JD Finance can be borrowed without a credit card, but the borrower must have an account number in JD.COM, real-name registration system registration system, be bound with a bank card, be aged between 23 and 55, and have stable repayment ability. JD.COM gold bars get credit first, and then borrow. There is a quota that can be applied for circularly. Every loan must be examined separately. After passing, the next payment can be made. The annual interest rate is the lowest and Baidu has money to spend.

Du Xiaoman's credit loan can provide easy-to-borrow loan products, and you can borrow money without a credit card. Similarly, the mode of first granting credit and then borrowing is adopted. When applying for a credit line, the borrower must fill in the information of the work unit completely, otherwise it will not be able to obtain a credit line by filling in simple personal information. One-time credit can be recycled, and the annual interest rate is as low as the better the qualification, the lower the interest rate.

3. Ctrip Finance

Ctrip Finance also has a loan that can borrow money without a credit card, which is called borrowing. The requirements for applicants are still relatively loose. They are between 20 and 45 years old, and their mobile phone numbers have been certified for more than 3 months. After uploading their ID cards and bank cards to complete the authentication, the system will grant credit, and they can borrow money after the quota is issued. The interest rate varies according to the applicant's credit status.

4. Sorry

Borrowing is also an unsecured credit loan, which can be borrowed without a credit card. It will be evaluated from three dimensions, referring to the borrower's sesame credit score, personal credit information, account usage and repayment ability. If it meets the requirements, the loan will be automatically opened and the quota will be granted. Borrowers can borrow within the limit, and the interest rate varies from person to person. The lowest one is the introduction of "low interest without credit card lending platform", hoping to help everyone.