Loan platforms that do not require credit reporting are:
1, excuse me.
Borrowing is a personal credit loan product under Alipay, which requires users to score more than 600 points. According to the actual feedback of most users, if the user's sesame score is above 650 points, the quota is likely to exceed 10 thousand. However, the actual credit line still depends on the user's personal qualifications.
2. Petty bourgeoisie wallet.
Petty bourgeoisie wallet is a financial platform for mobile Internet terminals, which is highly secure through APP. Petty bourgeoisie wallet provides more people-friendly, safe and convenient financial services for the public.
Petty bourgeoisie wallet platform only does mortgage creditor's rights, not credit creditor's rights, and the threshold is low. Petty-bourgeois wallets are paid quickly, managed by a third party, invested and managed on the same day, and interest is calculated the next day, which improves the efficiency of users' making money.
What kind of loan is not creditable?
Loans without credit reports:
1. Student loans: prestigious school loans, Jiurong Finance, ICT loans, and love learning loans.
Credit card loans: pleasant loans, kung fu loans, lightning loans, flower wallets, building blocks.
Installment loan: Cheng Tiao, Donkey-Horse Tiao, Second Tiao, Fun Loan Bar, Tiao, 99 installments.
4. Ordinary loans: pat loan, salary loan, cash bus, kiss small loan, Dafeiyun loan, I come to loan, you and me loan, finger loan, Cao Cao loan, malt loan, magic lamp small loan, Jiufu Beijing pawn loan, Momo loan, magic cash, flower for you, _ Silk Road loan, 5 1 personal loan, 360 moonlight foot loan. Wanda Loan, Lebaobao, Want to borrow money, Quick Money, Quick Loan Bear, Sweet Orange Small Loan, Blue Collar Loan, Mavericks Loan, Universal Express, Atomic Loan, mo9, Qianmi Wallet, Didi Loan, Easy Loan, Cash White Card and Hua Wuque.
Loans for credit reporting:
Flash Bank, Qian Bao (the lender is the credit information of rural credit cooperatives), mobile phone loan (the lender is the credit information of rural credit cooperatives), credit wallet (the lender is the credit information of Huarong Consumer Finance), micro-loan (Shenzhen Qianhai Weizhong Bank), lending treasure (online business loan), gold bar (JD Finance), Gitzo, BOC Consumer Finance, Yin Bei Consumer Finance, Instant Consumer Finance, Baidu. 2345 Loan King, Zendai, Zhong 'an Credit Industry, Pudding Small Loan, Doudou Money, Xinerfu Cash Loan, Staging Music, Wing Payment, Premium Staging, Ping 'an I Loan, Thousand Dollars, American Loan, Anjiapai, Star Wallet, Seconds, Doudou Money, Education Loan, Cash Loan, Small Win Card Loan, Repayment, Deposit, Flying Loan, etc.
Failure to receive credit information does not mean that you can not repay it: maybe everyone will fall into a misunderstanding that failure to receive credit information means that you don't have to repay the loan. This idea is wrong. Even if you don't go to the credit bureau, people will still urge you to repay. Others also have various collection methods, such as exploding friends circle, door-to-door collection, sending lawyers' letters, outsourcing collection and so on.
Reminder, although the threshold for credit-free loans is low, we should pay attention to whether the loan interest rate can be borne by ourselves, and it is best not to borrow it. Everyone should still be cautious.
What loan products are not available for credit reporting?
If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).
Basic conditions for lightning loan application:
1, with China Merchants Bank card;
2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;
3, have the ability to repay the loan on time, no illegal behavior, good credit.
Tips:
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. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.
3. There are two ways to apply for a loan within the lightning loan limit:
(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.
(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
4. 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.