1, check the credit information
Although most private lending markets do not check the central bank's credit information, consumer finance and licensed small loan companies will still check the credit information. Don't ask too many hard questions, so as not to affect the subsequent banking business.
2. Mobile phone number
Generally speaking, real-name registration system's account number should be used normally for at least 6 months to prevent someone from applying for online loans with a newly registered account number and then changing the account number. Therefore, it is particularly important to leave a mobile phone number. Except real-name registration system, the longer the mobile phone number is used, the higher its potential value. Some online loans require operator authentication, mainly to obtain the borrower's call records. Everyone chooses whether to authorize according to their own situation.
3. Authorize other platforms
Now, in addition to credit investigation, there are many data to prove the borrower's financial situation, such as Sesame Branch, JD.COM, Xuexin.com, provident fund, garage and so on. Good data can greatly improve the success rate of your loan application, but you need to identify safe and reliable institutions, otherwise don't authorize them easily to avoid personal information being leaked.
4. Mobile phone cleaning
Because many online loans need to read the address book and authorize some functions, so clean up the address book, call records and text messages in the mobile phone, otherwise the loan application will fail.
To sum up, although the threshold for applying for online loans is low, the next repayment is easy, but you need to pay attention to the application skills, otherwise it will take some time to reapply after applying for loans, which is very time-consuming. I hope everyone can apply successfully at one time.