I'm glad to answer your question. There should be no way to borrow money without a bank card, because generally going to the bank to borrow money will put the money into the bank card account. If you don't have a bank card, the bank can't lend you the money you borrowed. If you don't have a bank card and want to borrow money, you can ask your relatives and friends to help you borrow money from the bank, then write them an iou and return the money to them. But it is very convenient to apply for a bank card now. I think you'd better apply for one.

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As far as I know, there is no way to borrow money from banks and other institutions without a bank card. If you really want to borrow money, you can find some online lending platforms. Some online lending platforms can transfer the loan amount to Alipay and other accounts, so there must be Alipay, Tenpay and other accounts without bank cards. At the same time, some companies may be able to provide cash loans, but if not, they can borrow them from relatives and friends with abundant funds. I hope my answer can help you solve the problem.

How to get a loan without a bank card?

It may be difficult to borrow money without a bank card. Although the bank card cannot be used as one of the necessary materials for the borrower to provide proof of economic income, banks, lending institutions and platforms will generally lend money to the bank card provided by the borrower after approval. Therefore, if the borrower does not provide a bank card, banks, lending institutions and platforms are not good at lending.

Therefore, customers with bank cards should remember to provide their own cards when handling loans. For customers who have not yet applied for a bank card, it is recommended to go to the bank to apply for a card before applying for a loan. Debit card processing is not difficult, you can handle it directly with your ID card, and you can usually get it on the spot.

Can I get a loan without a bank card?

You can't apply for a loan in a bank without a bank card, because even if the loan is passed, there is no way to transfer the money to the bank card account, so it is not possible. No matter what kind of loan you apply for, in addition to meeting the basic conditions, the applicant must provide valid identity documents and a bank card in his name to complete the real-name authentication, so there is no platform for lending without a bank card. In addition, the bank card provided has another function, that is, collecting loans and repaying loans. Be sure to ensure that the bank card is in normal condition.

First, in general, bank loans need the following information:

1, borrower's ID card and bank card; The borrower's account book; Marriage certificate or unmarried certificate of the borrower; Proof of the borrower's repayment ability, bank flow, social security account flow or personal tax bill, etc.

2. The borrower's work certificate;

3 Guarantee certification materials

4. Proof of use: For example, a car loan means providing a full car purchase invoice before the loan is issued, or providing a car purchase agreement (contract) plus a down payment invoice (or a receipt stamped with the dealer's official seal). After the loan is issued, the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate must be provided.

5. Other materials specified by the bank.

Second, the loan processing flow:

1, apply. After the borrower prepares the loan information required by the bank, he applies to the bank. After receiving the information submitted by the borrower, the bank will conduct a preliminary examination of the borrower's information.

2. investigation. This is mainly to verify the borrower's information and see if the information is true. At the same time, the borrower's personal credit record will be checked to see if it meets the bank's loan requirements. After evaluating all aspects of the borrower, the bank will enter the examination and approval stage, mainly to decide whether to grant loans to the borrower.

3. Loan issuance. After the bank determines that the borrower meets the bank's loan requirements, it issues the loan, and finally the borrower can repay the loan according to the loan contract.

Can I get a loan without a bank card?

There should be no way to borrow money without a bank card, because generally going to the bank to borrow money will put the money into the bank card account. If you don't have a bank card, the bank can't give you the borrowed money. If you really want to borrow money, you can find some online lending platforms. Some online lending platforms can transfer the loan amount to Alipay and other accounts, so there must be Alipay, Tenpay and other accounts without bank cards. At the same time, some companies may be able to provide cash loans.

The simple and popular understanding of loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Principle:

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.