"Lightning Loan" is a credit loan product specially made by China Merchants Bank for high-quality customers. If you have financing needs such as business turnover, car purchase, decoration, shopping and travel. You don't need to provide any mortgage and guarantee, and you don't need to submit any written materials. Just log in to our mobile banking or online banking professional edition and click Apply. The loan can be approved in 60 seconds at the earliest, and immediately released to your debit card current account in our bank for your use at any time.
The maximum loan amount of lightning loan shall not exceed 300,000 yuan. We will verify the maximum application amount of lightning loan for you according to your business situation in our bank. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP or the online banking "lightning loan" module to check your maximum application amount (subject to the final approval result).
What is a lightning loan?
Lightning loan belongs to China Merchants Bank and is an online loan service. At present, its maximum loan amount is 300,000, and the minimum loan interest rate is as low as 7.2%. China Merchants Bank lightning loan charges loan interest on a daily basis, and does not charge interest if it is not used. The specific interest amount is related to the loan amount and service years. At present, the daily interest rate of China Merchants Bank's lightning loan is 0.042%, so the interest calculation formula is: loan interest = loan principal ×0.042%× loan term. For example, if you apply for a lightning loan of 654.38 million yuan from China Merchants Bank for 30 days, the interest will be 0.042% *100000 * 30 =1260 yuan.
If there is a demand for capital turnover, it is recommended that you spend it with money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. Money spent-full easy loan, the maximum loan amount is 200,000 (click the official free loan amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!
Which bank is the lightning loan from?
If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through the mobile banking app, or you can check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)T+ 1 day loan. There will be telephone verification within T+ 1 day, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.
(Response time: July 4, 2022. The above contents are for your reference. If there are business changes, please refer to the latest business rules. )
Tips: If you have any questions, you can call the official customer service hotline or contact China Merchants Bank APP for online customer service consultation.