My credit history is a little spent. Can I apply for a loan from China Post Consumer Finance?

You can apply, but you may not pass. According to the personal financial situation and credit information, mortgage records, repayment records, etc., systematic or manual comprehensive judgment and audit are carried out. It will affect the examination and approval results. If it is judged as a high-risk customer, the loan amount may be reduced or the approval may not pass. You can apply for a try and see the exam results!

First of all, we must meet the following basic conditions:

1. The applicant is between 18-50 years old and can repay the loan before the age of 65.

2. The applicant has no record of non-performing loans and has a good personal credit status.

3. Applicants should have a fixed job and income, and applying for a loan depends on the salary details.

4. If the loan is used for business or car purchase, collateral and guarantor shall be provided.

5. Other conditions stipulated by the bank.

In addition, different loan products have different loan requirements. For example, in China Post Consumer Finance, the owner loan of China Post Wallet APP needs to have an outstanding and normal repayment mortgage, and the gold provident fund loan needs to deposit the provident fund to make a loan, but the corresponding amount will be higher. China Post's consumer finance loan may call back some borrowers to further verify their personal basic information and repayment ability.

China postal consumption finance

Company background

With the approval of China Banking Regulatory Commission, China Post Consumer Finance is a consumer finance company initiated by China Postal Savings Bank, DBS Bank Co., Ltd., Guangdong Sanzheng Group Co., Ltd., Bohai International Trust Co., Ltd., Guangzhou Baiguang Co., Ltd., Lacarra Network Technology Co., Ltd. and Guangdong Hai Yin Group Co., Ltd. ..

Loan products

China Post Consumer Finance mainly provides cash loan products, installment loan products and revolving loan products. You can apply for loans online and offline. Online loans from China Post Wallet APP, China Post WeChat official account and China Post Alipay life account are convenient, mainly including revolving loans, extreme loans and owner loans.

Correlation of credit information

China Post Consumer Loan is a formal licensed financial institution, which can provide loan services. Not only will the pre-loan approval meeting inquire about the credit information, but the borrowing and repayment of each loan will also be truthfully reported to the credit information. Repayment on time has little effect on credit information, but don't be overdue, leaving a bad credit information record will affect future car loans and mortgages.

To sum up, China Post Consumer Finance was founded by seven powerful enterprises, including China Postal Savings Bank. There are three kinds of loan products: post-loan, post-purchase and post-flower, and both online and offline can enjoy loan services. Meet the age requirements of 20-50 years old, have stable income and good credit information, and can apply for loans. The repayment record of each loan will be reported to the credit bureau, so remember not to be overdue.