1, Honesty Flower
Honesty flower can borrow money with ID card. The application conditions are: male 18-40 years old and female 18-40 years old. My mobile phone has been certified for more than 6 months. You don't need a credit report, you can also make holes! The application amount is ok, ranging from 1000 to 3000, and the application threshold is low. However, it should be noted that Fujian, Inner Mongolia, Hong Kong, Macao and Taiwan are not supported for the time being!
2. Small credit card loans
As an opening that can be loaned only by ID card and face recognition technology, Xiaoying Card Loan has been loved by people as soon as it is listed. The loan amount is between 2000 and 50000, the interest is 0.46-0.67%/ month, and a service fee of1.1%-1.23% and a handling fee of 2% are also required, so it is not low on the whole. It is reported that the official said that the loan will be released in three minutes, but it also depends on whether the information provided by the applicant is complete.
3. Easy to borrow
Easy borrowing is really an easy excuse, not sesame seeds. After downloading the APP and entering your identity information, there may be a callback, just call me back. Netizen pro-test, borrow 500 yuan, borrow for 5 days, as long as you pay back 502 yuan, the interest is ok.
4. Second Loan King
The second-hand loan king is the latest product. You can borrow up to 5000 yuan in cash with your ID card. You can apply for a loan by downloading the second-hand loan king app, and you can receive cash in 2 minutes and lend it directly to the bound bank card.
Can I get a loan with my ID card? Is this kind of loan reliable?
In recent years, unsecured loan companies and companies have sprung up like mushrooms after rain, and various advertisements are all over the streets.
In particular, people who are in urgent need of money will apply, but it is precisely in this way that some scammers will take advantage of it and create scams by means.
Especially in this era when everything is convenient and fast, borrowing money with ID card is a very popular way.
Because everyone has an ID card, if you only have an ID card, you can get a loan, which means there is no threshold for a loan, and you can get a loan even if you don't have a job.
But are all these ways true?
At present, there are similar loopholes in the market, but there are many situations. Borrowers must keep their eyes open and choose reliable channels to lend before lending.
1, black households and white households can make a payment.
For some private lending products with extremely low thresholds, you can use your ID card to make loans. After all, the popularity is not high. Only by lowering the threshold can we attract more borrowers and charge interest.
The characteristic of this kind of loan is that anyone who has been overdue and has not done any loan business can apply for a loan;
Because they don't check the credit information, they can provide loans as long as users need them, but the amount is relatively low and the interest is high. Most of them are small loans of 1000 yuan.
2. Informal microfinance
There are some channels in the market that claim that you can get a loan with your ID card. You can get a loan for anything without a house, a car or a job.
However, as far as we know, many users have fallen into the "pit" because when applying for such loans, the system will prompt that they have passed the audit and are waiting for loans. ......
Then there is a state of no news, and the money has not arrived for ten and a half months, which makes the borrowers waiting for the money very anxious;
I'm worried that after applying for other loans, I'll suddenly make money here, and I'm afraid I'll draw water with a sieve after waiting for a long time, which is quite laborious.
There is another situation, that is, after borrowing money, it has been repaid on schedule, but the system prompts that it is still in arrears. Many borrowers are worried that their personal credit will be affected, and they don't know whether the repayment is successful.
There is something fishy behind the ID card loan.
Many private lending institutions will take advantage of borrowers' eagerness to use money, and use the characteristics of low threshold for ID card loans, secondary payment and high quota to attract consumers to take the bait;
All users who have submitted loan applications have been rejected by the second, and basically no one has borrowed such loans. They usually have several purposes:
Get ID information: Because you need to fill in your ID number, name and work situation when applying for a loan, some even ask you to upload a scanned copy and take a photo of your ID card. There are great hidden dangers when such information is transmitted to informal institutions.
Cheating fees: regular loans will not require fees before the next payment, not to mention ID card loans are credit loans and do not need any fees at all.
Below I list the following common centralized loan routines. Be sure to keep your eyes open and don't fall into the pit.
"interest-free loan"
Deception index: ★★★★★
As the saying goes, greedy and cheap, big losses, zero down payment? Zero interest
Great, seize this opportunity quickly, but I don't know that you have been trapped by others, hiding high service fees and management fee interest to implement the scam. Originally, you only applied for a small loan, but the total interest rate was insanely high.
Interest-free loans are policy loans, which are government support projects for laid-off workers, retired soldiers, college students or rural workers in cities;
If you obviously don't belong to these groups, the other party also promises to provide you with an interest-free loan, which 100% is a liar's trick.
Unsecured/credit loan
Deception index: ★★★★★
Credit loan is indeed the lowest loan threshold, and the borrower needs to provide proof materials related to work income, and the credit record is good before it can be processed.
Imagine that anyone who promises a loan without any mortgage, except the people, is nothing more than a liar.
"charge in advance"
Deception index: ★★★★★☆.
Let the borrower pay the deposit, handling fee and other expenses before issuing the loan! Or let you get a bank card and deposit some money in it!
Remind you again and again These are definitely the actions of liars! Formal loan companies will not charge any fees before issuing loans.
"teaching on loan"
Deception index: ★★★★★☆.
With the increase of loan platforms, some scammers are also full of tricks, and there are even loans to teach such things. You know, no matter how to teach, the credit is not good, and the loan can't come down!
Reminder: In addition to the above-mentioned common loan scams, scammers will also use hidden loans, bank connections, low interest rates and other scams to trick borrowers into falling into the trap.
Especially friends whose credit is tainted and in urgent need of money, don't rush to the hospital, beware of loan fraud.
Everyone must remember to apply for a loan at a bank or a formal loan platform when making a loan. At this time, someone asked, what if you want a loan and are not sure if you are a liar?
Generally speaking, formal small loan companies or loan platforms have been filed by the Industrial and Commercial Bureau. Just checking.
Pay special attention to the behavior of charging first and then lending. No matter what the name of the other party is, whether it is qualification verification fee, guarantee fee or handling fee, as long as the fee is charged before lending, it can be identified as a liar.
Can I get a loan only by ID number? There are several platforms for you to choose from.
There are more and more online lending platforms, and some lending platforms have lower thresholds. As long as the borrower has his personal ID card ready, he can apply for a loan. By verifying the identity information of the borrower, the online lending platform can provide the borrower with the corresponding loan amount as long as it ensures that the borrower applies for a loan. Can I get a loan just by ID number? What are the ID card loan platforms? Here is a detailed introduction to the ID card loan.
Can I get a loan just by ID number?
Applying for a loan is a complicated matter. The loan information to be submitted, the loan process after submitting the information, and the process of approving loan issuance are all very rigorous and complicated. The necessary information needs to be signed in person, as long as one item fails, it will be rejected. The ID card is the most basic document for a loan. It not only has the ID number, but also personal photos and other information, which is irreplaceable by the ID number. The original and photocopy of the ID card are required in the loan, and it is impossible to apply for a loan with the ID number.
Id card loan platform
Tianshendai
Tianshen Loan does not have too high requirements for the borrower's credit record, with a quota of 500- 1000 yuan, a term of 2 1 day and a daily interest rate of 0.48%, which is suitable for office workers. Although Tianshen Loan has a low loan amount, it also needs to apply for credit investigation.
second
Second ID card loan 1 0,000, line 1-3, term 1-3 months, annual interest rate 10%, suitable for office workers, students, self-employed people and people without fixed jobs. Seconds is the same as using Qian Bao, and the loan will not be credited to this application.
Suning arbitrary payment
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.
Zhilian long-term loan
Zhaolian Consumer Finance is a formal and reliable platform approved by China Banking Regulatory Commission, and its good term loans have always been welcomed by the majority of borrowers. Most people spend thousands of dollars the first time. As long as they repay on time, they can gradually increase the quota.
China Post Consumer Wallet
China Post Consumer Wallet is a credit product of China Post Consumer Finance, which can meet the capital needs of most people, including pure credit loans and consumption stages. People between the ages of 20 and 60 can get a pure credit line of up to 50,000 yuan, which is related to the applicant's personal qualifications and can be increased after multiple loans.
Can I get a loan just by ID number? What are the ID card loan platforms? Borrowing users need to provide their own relevant certification materials when applying for loans online. In addition to filling in your ID number correctly, you also need to provide your own identification materials. Borrowers who want to apply for loans with their ID numbers can choose these online lending platforms introduced above, so that borrowers can easily obtain loans.
This concludes the introduction of ID card loan and ID card loan app of 1000 yuan. I wonder if you have found the information you need?