Which bank has credit loan

Each bank has its own credit loan product.

1. China Construction Bank Quick Loan

China Construction Bank’s personal credit loan product is mainly “Quick Loan”. China Construction Bank Quick Loan can provide you with credit of up to 5 million yuan. It is mainly applied online and can be used for cash withdrawals, shopping, etc.

2. ICBC e-borrowing

ICBC e-borrowing can be ranked second in the latest top ten bank credit loan rankings. ICBC e-Loan can provide you with loans as low as 600 yuan and as high as 800,000 yuan, with a term of up to 5 years.

3. China Merchants Bank e-loan

China Merchants Bank e-loan is a bank credit loan product specially provided for China Merchants Bank credit card users. The loan limit can reach 300,000 yuan, and it can be used at any time Borrow and pay back instantly, and the payment speed is also very fast.

4. Bank of China E-Loan

BOC E-Loan is an online loan product of Bank of China. The entire process can be applied online. The loan limit can reach 300,000 yuan and the usage period is 12 months.

5. Bank of Communications Haoxiangdai

Bank of Communications Haoxiangdai ranks 5th among the top ten banks in credit loan rankings. Bank of Communications Haoxiangdai's pure credit loan, the amount depends on the borrower's situation, and the repayment period is between 3 and 24 periods.

6. Minsheng Bank’s consumer micro-loan

Minsheng Bank’s consumer micro-loan is a series of loan products launched by Minsheng Bank. You can rely on your own social security and salary slips. Apply for a credit loan for tax returns, etc.

7. China CITIC Bank Xinmiadai

CITIC Bank Xinmiadai ranks 7th in the latest top ten bank credit loan rankings. CITIC Bank Xinmiadai can provide loans of up to 300,000 yuan to qualified customers, with loan terms as short as one month and as long as 12 months.

8. Pudong Development Bank Puyin Diiandai

Pudong Development Bank Puyin Diiandai can provide loans of up to 300,000 yuan to people aged 18-60, and the application process only costs about 3-5 minutes for everyone.

9. Agricultural Bank of China Online Loan

Agricultural Bank of China Online Loan is mainly a loan for specific customers, and you need to apply for a home loan at Agricultural Bank of China before you can apply. However, Agricultural Bank of China’s online credit loan ranks 9th in the top ten bank credit loan rankings due to its features of online application, quick approval and instant loan and repayment.

10. Everbright Bank Suixindai

Ebright Bank Suixindai is currently at the bottom of the latest top ten bank credit loan rankings. Everbright Bank's Xixindai service group is people aged 22-55, and borrowers are required to purchase "personal loan guarantee insurance."

How to get a credit loan

It can be applied at business outlets, online, or by phone.

1. Application at a business outlet: Users should bring their original ID, photocopy of workplace certificate, photocopy of asset certificate and other supporting documents to nearby bank service outlets to apply;

2. Online application: log in to the bank's official credit card website, and after applying for a credit card, you can also choose your favorite credit card type and credit card type, and complete the actual operation according to the display;

3. Telephone Application process: Dial the bank's credit card customer service hotline. After the transfer service operation specialist registers the situation, just follow the instructions and then submit the materials and wait for approval.

Operating environment: Apple 12iOS14

1. Bank credit loan

Bank credit loan is a kind of loan issued by the bank based on the applicant's credit. Applicants do not need to submit collateral or collateral.

Because it is a pure credit loan, banks generally adopt an invitation system. Users with more banking business, a certain amount of savings and financial management are more likely to get loans.

2. Credit card cash installment

Credit card cash installment is a cash withdrawal and installment function in a credit card.

We all know that general credit cards can only be used for consumption and do not support transfers. However, many credit cards will open a cash installment function. Funds within the specified limit can be withdrawn from the credit card, and then an installment bill will be formed, and the user can repay the money on time.

3. Internet credit products

There are still many formal Internet credit products on the market, such as Youqianhua in Duxiaoman Finance, etc., which are all familiar to us. Big brand formal credit products.

The first credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism development and business sectors followed suit. However, credit cards at that time could only carry out short-term commercial credit activities, and could not be in arrears for a long time, and there was no credit limit. China's credit card sales market remains one of the fastest growing product lines in China's personal financial information services market. Although the industry's economic returns are full of challenges, profitability will also tend to turn around, driven by economies of scale and increased customer spending. good.

What are the application channels for bank credit loans? There are two options for you to choose from

As the saying goes, talking about money hurts feelings. In reality, when encountering financial difficulties, I believe many people will choose to apply for a credit loan at a bank instead of borrowing money from relatives and friends. After all, not only is it difficult to borrow money from friends, but others may not lend it to you even if they have money. . Banks are the most familiar and trusted lending institutions, but do you know what application channels are available? Let me teach you two tricks on how to handle it at the bank.

First of all, it should be noted that banks do not accept loans from applicants with overdue records. Only when the borrower has a stable job and income and the ability to repay in full and on time can the loan be obtained.

1. Over-the-Counter Application

(1) To apply for a credit loan over the counter, you need to apply at the local bank business office. Before applying, you can consult the process and procedures. Through the explanations and explanations of the information desk staff, you will understand the general process, which will be very helpful for you to fill in the documents.

(2) You must bring relevant documents with you when applying. Your ID card and household registration booklet are definitely needed. Other documents you need to bring will depend on the type of loan you need to apply for.

(3) If it is a loan that can be issued immediately, you can sign a loan contract. However, if it is a loan that requires verification and investigation by bank personnel, then you can only go through the loan procedures first and then wait for the bank to issue the loan. After the relevant personnel verify that the information and procedures you provided are true and accurate, they will notify you to sign the loan contract.

2. Online application

(1) First, the lender needs to log in to the bank’s official website and then fill in the loan application form. Pay attention to the authenticity of the information filled in.

(2) Submit relevant information for online banking loans;

(3) If the information reviewed by the bank meets the requirements, the loan contract can be signed.

(4) The monthly repayment amount can also be processed through online banking.

Bank articles on new platforms can be approved: can be downloaded on new platforms

With the development of Internet finance, traditional bank loans have gradually developed mobile small credit loans, and there are many of them every year The new platform can be approved and is widely welcomed by consumers. Today I will take stock of some new platforms that can be downloaded in seconds in recent years to help you get your money quickly.

Reminder: The biggest features of bank loans are low interest rates and high thresholds, and these approvals balance these conditions. Most new platforms can allow 80% of people to apply successfully, and the interest rates are lower than traditional mortgage-guaranteed loans. A bit higher, but much lower than private loans.

Aggregating various platforms for you to apply online, one-stop online application, no handling fees, only three steps to apply, and quick payment.

Direct!

1. China Construction Bank

1) CCB Quick Loan, referred to as "Quick Loan", has low threshold and low interest rate. You can apply as long as you meet one of several conditions. CCB's interest rate has always been It is the lowest, so those who are looking for ultra-low loan costs may want to consider it.

Application conditions: CCB housing loan customers/customers with deposits, financial management, national bonds/CCB private banking customers

2) Personal consumption limit loans, daily consumption and temporary large expenditures can apply for this. No mortgage guarantee is required (if you want a higher limit, you can use mortgage to increase it).

Application conditions: ID card information and personal credit

2. Agricultural Bank of China

Salary loan, no mortgage or guarantee, all based on credit, over 18 years old You can apply for it immediately, and the credit limit is high. As a state-owned bank, the loan interest rate is very low, which is enough to meet various consumer expenditures.

Application requirements: Age 18-60, good credit, stable income, Agricultural Bank of China customer

3. China Merchants Bank

1), this product is credit The loan does not require a mortgage guarantee, and it doesn’t matter if you don’t have a house or a car. As long as you have good credit, are a customer of China Merchants Bank, use your China Merchants Bank card frequently, and occasionally buy financial products, the approval and disbursement will be fast, and the interest rate will be low.

Application conditions: ID card information, proof of income, good credit, and proof of purpose

2) China Merchants Bank credit card loan is E-Zhao Loan. As long as you hold a China Merchants Bank credit card, you can use the credit card To apply for this cash loan business, you can also download a new platform in seconds. You can choose to borrow and repay at any time or repay in installments.

Application conditions: China Merchants Bank credit card, good credit

4. Postal Savings Bank

Personal credit consumption loan, which is specially provided by Postal Savings Bank for users with good credit You can apply for a small credit loan if you are over 18 years old. The threshold is low. You only need good credit and stable income. You cannot apply online. You need to go to a local bank that has already opened this business.

Application conditions: Age 18-60 years old, good credit record, stable income

5. Everbright Bank

Micro loans are provided by Everbright Bank with good credit record A consumer credit loan provided by users who are over 25 years old can apply for it. According to friends who have applied for it, the payment speed is fast and the conditions are low. It is very recommended.

Application conditions: Loan with credit, no mortgage or guarantee, go to Minsheng branch office to apply

6. Ping An Bank

New loan, stable income, You can apply if you have good credit. Even business people or freelancers without fixed jobs can apply. There is no mortgage or guarantee. The payment can be made within 3 days. The application process is simple.

Application conditions: monthly income of more than 4,000 yuan, good credit

7. Pudong Development Bank

1) Puyin Diandai is a new platform of Pudong Development Bank If it can be approved, you can get a loan with your credit record. You can apply online by downloading the Pudong Development Mobile App. No mortgage guarantee is required, and you can borrow and repay at any time.

Application conditions: Although this product is very good, I think the threshold is still relatively high, because only Shanghai Pudong Development Bank mortgage customers, agency customers and financial management customers can apply. If you love Pudong Development Bank, you might as well start from the above aspects. .

2) If you apply for a Pudong Development Bank credit card, you can choose from many products, such as Wanyong Suijianjin and Xiaopu Hongdai, which are new platforms where you can apply online and make payments in seconds. Friends with good credit You can choose to apply for this credit card loan platform.

8. Industrial Bank

Xingshandai is a new small credit loan platform launched in 2017. It claims to disburse money in 10 minutes, which is low for a bank credit loan. The payment speed is really fast. If you meet the conditions, you might as well apply. Just download the APP directly.

9. China Everbright Bank

E Miaodai, a new platform that can be downloaded instantly. Guangfa Bank’s unsecured and unsecured credit loans can be received quickly as long as you have good credit and stable income. The interest rate is low and the threshold is low. It is very suitable for office workers and young people who are in urgent need of money. The minimum age requirement is 25-55 years old.

More 2017 new loan platforms will be updated from time to time

What are the requirements for a personal credit loan from Shanghai Pudong Development Bank? How to check loan credit record online

Banks have many types of loan products, and the application conditions are naturally not exactly the same. So, what are the requirements for a Shanghai Pudong Development Bank personal credit loan? How to check loan credit history online?

What are the requirements for a personal credit loan from Shanghai Pudong Development Bank?

First of all, the conditions for applying for a credit loan from Shanghai Pudong Development Bank are as follows:

1. Be between 25-50 years old and have full civil capacity.

2. Have a stable job and income, and have the ability to repay the principal and interest of the loan on time.

3. Have a fixed residence in the loan location and be able to provide valid proof of residence.

4. Have a good credit record.

5. Opened an Oriental Card at Shanghai Pudong Development Bank.

6. Other conditions required by the bank.

The above are some of the conditions required to apply for a credit loan from Shanghai Pudong Development Bank. In addition, how can you check your loan credit record online before applying? How to tell if you have good credit? The following will introduce to you how to check your credit record online?

1. Enter the website of the Central Bank Credit Information Center and click on the Internet Personal Credit Information Service Platform.

2. Click the "Start Now" button on the personal credit reporting page to enter the login registration page. Click Log in now and you will enter the login interface. After entering the login information, you will log in to the system. After logging in, there will be a novice prompt.

3. After explaining the identity verification method, choose the corresponding method for identity verification. Generally, bank card verification is more efficient and easier to pass.

4. Click to obtain the UnionPay verification code, jump to the UnionPay verification page and fill in the relevant information to obtain the verification code.

5. After completing the UnionPay verification code, enter the image verification code and click Submit to complete the security level change.

6. After the security level is completed, click Submit to enter the application credit information interface, enter relevant information, and click Submit.

7. After the application for credit information is submitted, you need to wait 24 hours before you can log in to the system again to view the credit report. Please note that the report will be cleared automatically after 7 days.

What are the conditions for a personal credit loan from Shanghai Pudong Development Bank? How to check loan credit history online? The above is some introduction to this problem, I hope it can be helpful to everyone. Among them, it should be noted that new users need to register when they check their credit records online for the first time, and each person only has two opportunities to check their credit reports for free per year.

Which platform is better for pure credit loans? Let me share with you four good bank credit loan products!

Compared with online platforms, people are more willing to apply for some loan products under the bank. After all, compared with online small loans, bank loans have the advantages of low interest rates and large credit limits. A friend asked me which platform is better for pure credit loans? Let me share with you four good bank credit loan products!

Which platform is better for pure credit loans?

1. Workers’ Salary Loan

Workers’ Salary Loan is an online small loan product of Bank of China. Anyone who is a Bank of China user can try to apply. The maximum loan amount that the salary loan can provide to users is 800,000 yuan, and the daily interest rate is the lowest. Of course, the salary loan is a pure credit loan product. The better the user's personal qualification level, the higher the loan amount that can be applied for.

2. Netjet Loan

Netjet Loan is a small loan product under the Agricultural Bank of China. Agricultural Bank of China users can apply independently on the APP, but they need to meet certain borrowing conditions. If you are a non-Agricultural Bank of China user who wants to apply for an Agricultural Bank of China loan, you need to apply for an Agricultural Bank of China account first. The loan limit of Wangjiedai is relatively high, with a minimum loan amount of 10,000 yuan and a maximum of 3 million yuan.

3. Kuai e-loan

Kuai e-loan is a small loan product within CCB Kuai Dai, mainly targeting high-quality individual customers of CCB. The Kuai e-Loan system will proactively grant high-quality customers of China Construction Bank a certain amount of small credit loans, up to a maximum of 200,000 yuan.

The loan application threshold of Quick E-Loan is also the lowest among Quick Loans.

4. Rong e-borrowing

Rong e-borrowing is a small loan product under the Industrial and Commercial Bank of China. The minimum application amount is 600 yuan and the maximum is 800,000 yuan. The interest is per One ten thousandth per day, it is a pure credit unsecured loan product. The longest loan period can be up to 5 years, and the interest rate for one year's loan is more than one year. The above is the relevant content sharing about "Which platform is better for pure credit loans", I hope it can help everyone!

This concludes the introduction to bank credit loan websites and personal credit loan websites. Have you found the information you need?