Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

How to get a flash loan?

"Lightning loan" is a credit loan product specially made by China Merchants Bank for high-quality customers. If you have financing needs such as business turnover, car purchase, decoration, shopping and travel. You don't need to provide any mortgage and guarantee, and you don't need to submit any written materials. Just log in to our mobile banking or online banking professional edition and click Apply. The loan can be approved in 60 seconds at the earliest, and immediately released to your debit card current account in our bank for your use at any time.

The maximum loan amount of lightning loan shall not exceed 300,000 yuan. We will verify the maximum application amount of lightning loan for you according to your business situation in our bank. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP or the online banking "lightning loan" module to check your maximum application amount (subject to the final approval result).

Is online lending reliable?

In fact, online lending is not difficult to understand. All processes such as authentication, bookkeeping, clearing and delivery are completed through the network. Borrowers and borrowers can achieve the purpose of borrowing without leaving home. Generally, the amount is not high, there is no guarantee, and it is pure credit lending. Whether it is true or not depends on how to borrow money online. Fraud, a well-known company, the so-called "Chengxin Group", "xx Loan Group" and "xx Loan Group Company" simply cannot exist, and it is impossible for the industrial and commercial departments to allow such companies to register their names. Some will pretend to be banks or well-known companies, but they don't have an office address and can't provide real company business licenses and personal ID cards. Generally, only the mobile phone number and contact person are provided in the advertising information. Through the mobile phone number query, we can see that publishers are concentrated in a few provinces in China. The loan terms are easy, no mortgage is needed, and no income check is needed. Basically, you can borrow money with your ID card. When the borrower is tempted, the liar will ask for the fees first for your reasons, such as "interest, lawyer's fees, verification fees, insurance premiums, handling fees, security deposits" and so on. When the borrower paid first, it was found that the liar's mobile phone could not be dialed, and even some borrowers were cheated without knowing the other company, personal name and ID card, or even knowing where the other party was.