1, with valid identification.
When applying for a loan, the lender will review the identity information and need to submit a valid identity document.
If your ID card is accidentally lost or still being reissued, you can apply for a loan with your temporary ID card, but some lending institutions may not recognize it, so you need to communicate with the lending institutions in advance.
2. The age of meets the requirements.
When applying for personal credit loan, you need to be 18 years old or older. According to the regulations, minors are not allowed to apply for credit products, and lending institutions will not lend illegally.
Different lending institutions may have some differences in age requirements, which need to be subject to the notice of lending institutions.
3. Have full capacity for civil conduct.
You can't make yourself unable to bear the debt relationship because of physical or other reasons.
4. Have a stable and sufficient income.
For lending institutions, they naturally hope to repay the loan bill as agreed and earn the loan interest income, so they will pay more attention to the income. For example, some lending institutions will require more than twice the monthly payment.
If there is no stable flow of punching cards, you can communicate with the lending institution in advance to see if you can change it to other flow or tax certificates.
5. There are no other liabilities or the debt ratio is not high.
If other foreign debts are not settled when applying for personal credit loans, resulting in high debt ratio, then lending institutions will be worried about future repayment, and they will be even more worried when making the next repayment.
In order to ensure the smooth payment of personal credit loans, before applying for loans, if there are still outstanding foreign debts, these loans can be settled in advance to reduce their debt ratio.
6. There is no record of non-performing loans in the credit report.
When applying for a personal credit loan, the lending institution will review the credit report. If you want to successfully apply for a credit loan, then a good credit report is the foundation, and there can be no bad loan records on it, otherwise the loan will be rejected by the lending institution.
7. Can provide complete loan information.
When applying for personal credit loan, you need to prepare the information required by the lending institution, such as credit report, income flow, income certificate, etc. And you need to prepare on time so as not to affect your loan plan.
8. Meet other conditions of the lending institution.
For example, some banks' credit loan products should also ask the bank's mobile banking users, and even some personal credit loan products have requirements on whether to pay the provident fund. The specific demand shall be subject to the provisions of the lending institution.
It can be seen that although personal credit loans can be applied without providing any collateral, it does not mean that the loan amount can be obtained at will, and comprehensive qualifications are needed to meet the requirements of the platform.
In addition, because the credit loan is connected with the personal credit information system, in the process of carrying out credit activities, we must repay the loan according to the agreement in the loan contract, try not to appear overdue behavior, and avoid bringing some bad effects to ourselves.
If the online loan itself is not compliant, then this overdue online loan will not have much impact on personal credit status. But your online loan record will be kept in the online loan big data. You can check your online loan history through "Puxincha", including overdue details of online loans, debts, untrustworthy information, and whether it has been blacklisted.
Extended data:
What should I do if the car loan is rejected because of credit problems?
If the car loan is rejected due to credit problems, I am afraid it will be difficult to successfully handle it in a short time. Even if another bank (auto consumer finance company) lends again, it is likely to be rejected.
In this regard, we should suspend the application, try to repair the damaged credit first and accumulate more good records.
When your personal credit is gradually improved, apply for a loan, and you will have a chance to succeed in the loan (it is best to improve your credit for three to six months first).
In order to increase the chances of approval, you can also find a person with good credit to guarantee your loan.
And you can increase the down payment and reduce the loan amount.
Of course, it is best to pay attention to maintaining personal good credit, especially when repaying loans in your own name, you must remember to repay them on time to avoid overdue situations, so as to avoid personal credit damage and affect the handling of subsequent loans.
Otherwise, you can't borrow money to buy a car, you can only choose to buy it in full.