Pay attention to those who often slap their mouths.
Niu has greatly sorted out some online loan credit information.
Then a wave of loans can't reach your online loan.
Are you ready to pick it up?
unsecured/fiduciary loan
Micro-loan, Lending Treasure, Gold Bar, Gitzo, Bank of China Consumer Finance, Yin Bei Consumer Finance, Instant Finance, Building Finance, Deposit, Credit Wallet, Lacarra, Credit Card Loan, 2345 Lending King, Zendai, Zhongan Credit Industry, Pudding Small Loan, Pea Money, Trust Wealth Playing Gold Loan, Installment Music, Wing Payment, Building Installment and Premium Installment.
Loans without credit information
Quick loan, pat loan, credit wallet, playing gold bus, kissing small loan, Dafeiyun loan, Wolai loan, mobile phone loan, Qian Bao loan, you and me loan, finger loan, Cao Cao loan, malt loan, flashing silver, magic lamp small loan, Jiufu Elf loan, Momo loan, magic play gold, sending you flowers, hanging spring loan, 5 1 Borrow money fast, Didi Good Loan, Butyl Loan, Wanda Loan, American Loan, Lebao Loan Package, Want to borrow money, Quick Money, Quick Loan Bear, Sweet Orange Small Loan, Blue Collar Loan, Mavericks Loan, HP Quick Loan, Atomic Loan, mo9, Renren Loan, Letter Flash Loan, Kissing Small Loan, Hi Seconds Wallet, Flash Loan, Second Reading Loan, Xiaohua Wallet, Xiaomi Finance.
I suggest
Just because the above loans can't be credited now doesn't mean that they can't be credited in the future. After all, under the background of accelerating the construction of credit system, it is the general trend to speed up the online loan platform to enter the credit information system, and there will be fewer and fewer online loans that do not need credit information in the future.
In addition, people who often overdue small loans should pay attention. Even if some small loan companies do not collect credit information, they may be blacklisted for online loans, and borrowing from other small loan companies may be rejected in the future.
Most of the online loans that do not receive credit information are higher than the online loan interest rate of previous credit information, and the online loan interest rate is definitely much higher than bank loans.
Summary:
Interest: online loans without credit information, online loans with credit information and bank loans with credit information.
Bank loans and online loans
Summary: In any case, borrowing from banks is much more affordable than online lending. Obtaining large loans from banks saves money and trouble than repeatedly using small loans to make up for the west, and can also avoid many overdue credit reports caused by forgetting to repay on time. Such groups that apply for online loans have the experience of being refused loans by banks because of poor credit information and credit stains.
If you want to avoid the trouble of applying for a bank loan in the future, you should "erase" the bad information from your credit report and convince the bank of your repayment ability.
What are the online loans for credit reporting?
Now most online loans are for credit. For example, it is often heard that ants borrow money, Baidu has money to spend, online business loans, small loans, personal loans, installment loans, and good-term loans. If you don't pay back the money, you must always pay back the credit. Therefore, don't have the psychology of borrowing money online and not paying it back. Repayment on time is king.
At present, most online loans support loan-as-you-go. At this time, users can save a lot of interest, and with the increase of users' borrowing times, the amount of loans they can borrow will be higher and higher, and the loan interest rate will be lower and lower. At this time, the interest of users borrowing money will be less.
When the online loan is overdue, the platform will give a friendly reminder at the beginning, and offline collection may be carried out later. There will be penalty interest after the online loan is overdue, and some platforms will also charge liquidated damages, and they will never return the platform to the borrower. It is still impossible for the borrower at this time. Such a situation will also affect personal reputation.
After the online loan does not return the credit, it has a great impact. Banks that handle mortgages or car loans in the future will carefully examine and approve them. After all, no one wants to lend money to people who are not trustworthy. Therefore, it is necessary to repay in time after online lending.
In fact, there is not much money borrowed through online loans. Most people have a quota of several thousand yuan, and few have tens of thousands. If money is tight, you can give up online loans and borrow money from friends around you. This kind of borrowing money doesn't need to pay interest, and you can pay it back when you have money.
In normal times, we don't recommend you to use online loans, mainly because the borrowing cost is too high. Generally, you can borrow 10000 yuan a day from 5 yuan with interest, and one month is 150 yuan. Now 150 yuan for one year. Therefore, if you use online loans cautiously, after all, the longer it takes, the higher the cost.
Which small loans are on credit?
Microfinance for credit reporting:
1, micro-loan, owned by Tencent.
2. Sorry, it is owned by Alibaba.
3. Ping An Pratt & Whitney, a subsidiary of China Ping An Group.
4. Corporate credits such as Credit Wallet, Huarong and Jinshang Finance were at the lending meeting.
5. Credit card loan, owned by WeChat Jinke.
6. Doudou's money belongs to Wei Xinjinke.
7. Harbin Bank Mo Qian Finance.
8. Zhaolian Good Term Loan belongs to Zhaolian Finance.