How to apply for a loan.
In real life, no matter banks or online lending platforms, there will be professional risk control departments to evaluate borrowers' repayment ability, and one of the most important things that can show borrowers' repayment ability is stable work and income.
If there is no income, then the money lent by the platform may not be collected, which will be the loss of the platform.
With so many users, the platform must give priority to people with stable jobs.
Therefore, when we apply for online loans, we will be required to fill in the name of the work unit, and some will have to work in the unit for more than 6 months.
How can online lending succeed without income?
Seeing this, are the friends starting to worry? If you really have no income and need money badly, can't you borrow it?
No, no,no. I'll give you some advice next. See what you can do to apply for online loans without income ~
First, choose the platform that suits you.
General loans refer to credit loans, but if you have no job and no income, you can choose mortgage loans or secured loans.
Some online lending platforms can also mortgage loans, generally mortgage real estate and cars. If you don't have a house or a car, you can also use a credit card loan. Why can I get a credit card loan? Because for the online lending platform, you can have a normal credit card, then your qualification is recognized by the bank and there is a certain guarantee.
If you don't even have a credit card, you can apply for some platforms with lower thresholds, but the interest is higher. It is not recommended that you borrow such a high interest rate loan. I still hope you will be sensible when you need money badly!
Second, explain the situation to the online lending platform.
If you just finished the resignation procedure, then there must be some salary not paid to you. At this time, you can fill in the name of your previous company when applying for a loan. When the platform requires an audit, you should also truthfully explain the situation. Although I left my job, I still haven't received my salary and have the ability to repay it.
If you are a freelancer or start a small business by yourself and have no company name to fill in, you must explain the situation to the platform and prove your income ability and repayment ability, etc.