At present, credit reporting is an important indicator for the audit of many loan platforms. If the bad credit report shows that the borrower is unwilling to repay, then the repayment ability will be questioned. Many people are worried that poor credit reporting will lead to loan failure, so they want to find a loan platform that does not look at credit reporting. So, which loans in 202 1 don't look at credit reporting? Let me give you a brief introduction today.
202 1 which loans don't look at credit reporting?
There are loans that don't look at credit reporting, but the loan security of the platform cannot be guaranteed. It is likely to be a formal loan, or the interest rate is ridiculously high, or it is simply a lie. In contrast, the platform for reading credit information will be relatively reliable. After all, a loan must ensure that the borrower has the repayment ability, and the loan risk of a loan can usually be judged from the credit information.
If the borrower's credit information is not good and the loan risk is great, the loan platform will not take the risk to approve the loan. In case the borrowed money is not returned, it will be very troublesome. So don't think it's good not to look at the platform of credit reporting. If it is not good, it is recommended to take some time to raise the credit information first, and then apply for some platforms with low threshold and easy access. You can refer to the following:
1.360 IOU: 360 Digital Sub-branch credit loan, licensed consumer financial institution, with certain strength and safe borrowing. Although it is checked in the credit report, the threshold is not high. 24-55 years old, have a stable job and income, no bad credit can try.
2. Lend it to you: it is also a small credit loan for licensed consumer finance. The information is simple, the approval is fast, and the requirements for borrowers are not very high. If the borrower is 22 to 55 years old, he can also apply for a non-white account, which is suitable for short term.
3. Have money to spend: you can use a small full credit loan, with a full loan, up to 200,000 yuan, which can be recycled. You can apply online at any time. Suitable for users aged 25-45 with stable income and no bad credit. You only need to provide the original second-generation ID card and your bank card.
The above is the relevant introduction of "202 1 What loans don't look at credit reporting". In short, it is not necessarily safe to borrow money without reading the credit report. If there is no serious problem with credit reporting, you can try the above-mentioned low-threshold platform or loan.
What are the apps with low loan thresholds?
Generally, loans through app and low threshold are credit loans. It is divided into three levels: bank app, domestic large-scale Internet company financial app, and ordinary p2p loan app.
1, bank app:
The threshold is the highest among these three categories, which requires a certain qualification examination.
At present, the rooster loan of Hangzhou Bank app, the credit loan of Hello Bank app (Nanjing Bank) and Wan Li Jindu of Huitong Life Insurance (Bank of Ningbo) are all relatively low-cost and very easy-to-use loans.
In addition, ICBC's e-loan interest rate is the lowest, but it is also the highest threshold. If you are a civil servant, you can try.
2. Financial applications of large Internet companies:
Micro-loans in WeChat are reviewed according to personal circumstances, generally more than 65,438+10,000 yuan, and the interest rate is around 14000.
Alipay's flower buds, the amount should not be high, the threshold is very low, almost everyone has them, but the security is the highest.
JD.COM gold bars of JD Finance, willful loans and upgraded loans of Suning have low thresholds.
Xiaomi loan and 360 loan can also be recommended.
3. Other ordinary p2p loan apps
The thresholds of apps such as Jiufuwanka and Yixin are uneven and not high. They can be used in an emergency and are not recommended for long-term use.
Extended data:
Credit status quo
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee.
For a long time, this kind of credit loan has been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk.
Credit loan business is mainly handled by banks, loan companies and electronic financial institutions.
Banks with credit loan products in China include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.
Credit loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%.
Some loan companies are well known. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items. The actual loan cost is much higher than the interest rate advertised.
Credit loan of guarantee company is a credit loan provided by guarantee company to customers through bank lending. Generally, it can reach up to 300,000 yuan, and the charging mode is bank loan interest plus guarantee fee of guarantee company.
Formal guarantee companies only charge a certain percentage of guarantee fees and will not charge interest, which is also a standard to distinguish whether guarantee companies are formal or not.
P2P loan financing platform, the amount is not too high, and the speed is between loan companies and banks. Its characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rate is uncertain.
Reference source: Baidu Encyclopedia-Credit Loan
Which bank has a low loan threshold?
The following four banks have low loan thresholds:
1, quick loan from CCB. China Construction Bank Express Loan is the credit loan platform of China Construction Bank, including many different credit loan products.
Among them, the minimum threshold for fast loan e-loan application is 200,000 yuan and the maximum loan amount is 200,000 yuan. Users can try to apply as long as their personal credit information is good and they have relevant accounts in CCB.
2. Bank of Communications enjoys loans. Bank of Communications Enjoy Loan is a credit card loan product owned by Bank of Communications, which does not occupy the credit card limit and can give users a maximum credit limit of 6,543,800+0.5 million.
The threshold for Bank of Communications to enjoy loans is not high. As long as you have a bank of communications credit card, you can try to apply for a good loan at the bank of communications mobile banking.
3. China Merchants Bank E provides loans. China Merchants Bank E China Merchants Bank is a product of China Merchants Bank and a credit card loan product. The maximum loan amount that China Merchants Bank E can apply for is 200,000 yuan, which does not occupy the credit card limit.
Users with CMB credit cards can try to apply. If it is a preferential period, the daily interest rate of China Merchants Bank E loan is as low as 0.04%.
4. BOC e loan. BOC e-loan is a personal online consumer loan product of China Bank.
Users who have paid wages in the central bank for more than 6 months, paid mortgages in China Bank for more than 24 months, and paid provident fund in China Bank for more than 6 months can try to apply. The maximum loan amount of China Bank E loan is 300,000 yuan.
Loan (electronic IOU credit loan) is simply understood as borrowing 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 in the form of 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.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks 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, and loans should not go wrong.
Repayment method:
1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;
4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
This is the end point of the minimum threshold loan and 202 1 low threshold loan. I wonder if you found the information you need from it?