Bank loans don't need to deposit money in the card first. Formal loan platforms will not deposit money into their own cards. Even if there is no money in the card, they can get a loan as long as they meet the basic conditions of the loan, have no bad credit record and have stable solvency.

To apply for a bank loan, you need to prepare materials: valid identity documents; Permanent residence or valid residence certificate and fixed residence certificate; Proof of marital status; Bank flowing water; Proof of income or personal assets; Credit report; Loan use plan or statement; Other information required by the bank. Requirements for bank loans: Persons who have reached the age of 65,438+08, have full capacity for civil conduct, and have permanent residence in cities and towns or legal and valid identity certificates. Bank loans require lenders to be between 65,438+08-60 years old; Have a stable legal income and the ability to repay interest.

If you encounter loans to save money, most of them are loan routines. The name is to save money for capital verification, but the actual purpose is to cheat money. In this case, we must be cautious. In order to protect personal privacy and the safety of funds, don't trust any loans that collect money in various names before lending, so as not to be cheated of funds and information and bring losses to ourselves.