Generally, the loan products that don't look at credit information are all online loans, such as cash bus, Jiufuwanka, installment and so on. All of them don't look at credit information. There are also online loan products that can be applied only by mobile phone number and ID card. There are also online loans that do not check credit information:
1, palm flower:
Palm flower is a kind of loan with low application threshold, the amount does not exceed 5,000 yuan, and the service period is between 7 and 60 days.
2. Second, you borrow:
The second is to provide loans of less than 20,000 yuan, regardless of credit information and liabilities, with a term of 7-48 days.
3. It is easy to borrow money:
Easy loans generally do not look at the borrower's credit information and liabilities. The loan amount is within 1000 yuan, and the term is 14 days.
4. Inspur loan:
Generally, only ID cards are needed for beckoning loans, and credit records are not needed. The loan amount is less than 20,000 yuan and the service life is less than 3 months.
Of course, generally do not look at the credit loan products, the interest rate will not be low, there may be a lot of mixed. Therefore, everyone must keep their eyes open when applying to avoid falling into the trap.
In fact, it is better to maintain credit for a period of time than to find a loan product that does not look at credit information. When personal credit is well maintained, there will naturally be more channels to apply for loans, and there is no need to be afraid of being investigated.
At present, among all online loans, platforms that generally cooperate with banks or involve large loans will receive credit information, and most of the remaining platforms have not received credit information. Similar platforms include Hi Money, Money Station, Quick Money, Auction Loan, Cao Cao Loan, Lack of Money, borrow money fast, Atomic Loan, etc. These are not available for credit reporting.
1, strong platform: pleasant loan, kung fu loan, lightning loan, I'll lend, you and me, building block, Cao Cao loan, Jiufu Beijing pawn loan;
2. Platforms suitable for students: prestigious school loans, Jiurong Finance, ICT loans, and love school loans;
3, focus on the staging platform: into the jump, donkey mother white jump, second white jump, fun to borrow it, future staging, 99 staging.
How can I borrow 20 thousand if my credit is bad?
If the credit information is not good, the online loan will be rejected every second. Try to stage immediately, Pratt & Whitney, etc. These consumer finance companies have a certain chance of passing even if you have bad credit information. If it really doesn't work, we can only find a private mortgage.
Definition of online loan:
Online lending is also becoming a trend. With the advantage of the Internet, all the steps of loan application can be completed without leaving home, including understanding the application conditions of various loans, preparing application materials and submitting loan applications, which can be completed efficiently on the Internet.
Introduction to Instant Consumer Finance:
Instant Consumer Finance Co., Ltd. (hereinafter referred to as "Instant Consumer Finance") is a financial institution approved by China Banking Regulatory Commission. Immediately consumer finance officially opened in June, 2065438+2005, and introduced shareholders such as Chongqing Department Store, Chongqing Bank, Wumart Group, Sunshine Insurance and Zhejiang Commodity City, forming a dynamic diversified mixed ownership shareholder structure. The registered capital reached 4 billion yuan.
Brief introduction of Ping An Pratt & Whitney:
Ping An Pratt & Whitney is the general name of the companies under the joint venture company of China Ping An Insurance (Group) Co., Ltd. that carry out financing guarantee, financing consultation and other businesses. Assist small and micro business owners, individual industrial and commercial households and ordinary wage earners to obtain professional loan services, and help the development of China's real economy.
Definition of credit report:
Credit Pinyin is ZHNGXIN, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
Can you find out that you borrowed 20,000 credits from rural credit cooperatives?
Rural credit cooperatives will check the credit information of loans. Generally speaking, rural credit cooperatives have been connected to the central bank's credit information system, and their main business is rural credit, and their business processes and technical operations are the same as those of the State Bank. Therefore, when reviewing the loan, the borrower's credit record will be inquired, and if there is a serious bad record, the loan will be rejected.
There is no need to check the credit information.
There are: loan treasure, cloth wallet, easy loan wallet, kung fu loan, hi money and so on.
Although these do not look at credit reporting, borrowers need to be over 18 years old, have valid identity documents and have full civil capacity to apply.
1, easy loan app version 3.0:
Easy loans generally do not look at the borrower's credit information and liabilities. The loan amount is within 1000 yuan, and the term is 14 days.
2. Inspur loan:
Generally, only ID cards are needed for beckoning loans, and credit records are not needed. The loan amount is less than 20,000 yuan and the service life is less than 3 months.
3. Pocket Flower App version 3.0:
Palm flower is a kind of loan with low application threshold, the amount does not exceed 5,000 yuan, and the service period is between 7 and 60 days.
4, second you loan APP3, 0 version:
The second is to provide loans of less than 20,000 yuan, regardless of credit information and liabilities, with a term of 7-48 days.
What are the small online loans that don't need to look at credit information?
1, today's headline reserve fund
Apply for the reserve fund of today's headlines, and don't check the credit for the time being. The loan amount is between 500-2000 yuan, which can be taken at any time. The loan can be used for up to 7 days, which supports early repayment without paying liquidated damages. Today, the headline reserve fund is used interest-free for 7 days for the first time, and you need to pay 1.96 yuan for the next 7 days. If repayment is made in advance, the interest will be calculated according to the actual borrowing date.
If you want to APPly for the reserve fund of today's headlines, you can log in to the headline app today to see if there is an application entrance for "reserve fund" in the "wallet". If yes, you can apply. The loan applicant must be at least 23 years old and cannot be a student at school. He needs an authorized payment service (He Zhong Epro) to get the account information of today's headlines.
2. Alipay reserve fund
Alipay's reserve fund does not look at credit information, but only at the sesame credit score and membership level of Alipay users. The loan amount is the highest in 500 yuan, which can be taken at any time. AliPay balance arrives in real time and is returned on time, which is also helpful to improve sesame score. After 7 days, the reserve fund will be automatically deducted and returned. The first use is free, and the subsequent charges are subject to the loan page.
Isn't it bad for credit reporting if a loan of 20 thousand can't pass?
Audit is a comprehensive evaluation of the system, and there will be many reference factors, such as work, income, stability, personal credit and so on, which are not determined by unilateral factors. I suggest you contact the loan handling bank for further verification.
The loan can't pass, mainly for the following reasons: 1. Credit information is hacked, such as loans overdue records or credit card overdue records, especially for many months or a long time. 2. The credit investigation has been spent. If there are multiple records in the name, for example, the recent frequent credit investigation is a hard query for loan approval or credit card approval. 3. The debt has exploded, and more loans have been repaid, and the monthly repayment amount is obviously much higher than the income. There is also a long-term explosion of credit card quotas, and credit cards also belong to the category of liabilities. The higher the line utilization rate, the higher the debt ratio. 4. Everyone has collapsed, such as often defaulting on telephone bills, utilities, drunk driving or violating traffic regulations, and having a bad criminal record.
A good credit investigation is simply four noes: neither black nor white, neither much nor chaos. No, the word "black" in the credit report mainly has two meanings, one is overdue blacklist, and the other is classified as "untrustworthy person". It's either blank or not white. Credit record is to trace the lender's credit record. If the credit record is blank, it has no reference value for the lending institution at all. Therefore, it is recommended that friends of white households at least try to use credit cards. Not much means not much debt, which is reflected in the credit report that the number of loans should not be too much, and there are not many credit card overdrafts. It's not chaotic, that is, there is no frequent inquiry record in the credit record. Banks or lending institutions will think that you often check credit information, and you will definitely be short of money, which is very risky. Finally, I want to remind you that a good credit investigation is a valuable asset in a person's life. Rational consumption, rational investment, rational lending, priceless, credit is used and cherished.
What are the online loans that don't accept credit information? A complete collection of online loans without credit information
What are the online loans that don't accept credit information? A complete collection of online loans without credit information
Although the peer-to-peer lending platform is convenient, it also has certain risks. If you can't repay in time, you will face the trouble of collection, and in serious cases it will be used for credit investigation. Entering the blacklist of credit information will bring a lot of inconvenience to our travel and even our life. After the funds are tight and overdue, although there is a certain repayment ability, it is a lot of people's trouble to collect credit before repayment. So which small loan platforms are not used for credit reporting? Let's take a look.
Ant credit payment
Huabai is a loan product launched by Alipay. You can enjoy the service of spending first and then paying. The sesame credit score connected with Huayuan has not yet been connected with the central bank's credit report.
You and me.
You and I have been online for a long time, from the initial P2P financing to the central bank's credit information system, but its collection efforts are relatively perfect. If you want to pay back the money, you should give up the idea.
Lightning loan
The lightning loan is relatively loose, and he will decide whether to apply for credit according to the overdue time and amount of the borrower. In other words, in the case of serious overdue, the lightning loan will be collected at the meeting.
Caocaodai
Cao Cao loan mainly serves urban white-collar workers and college students, and the interest rate is low. Those under 20,000 need not be mortgaged or guaranteed. At present, Cao Cao Loan is not used for credit investigation, but it will be uploaded to the online credit investigation database.
Cash bus
The cash bus is an internet portal. At present, after the cash bus is overdue, it will not go to the central bank for credit information, but will go to the online version of the credit information file.
Building block box
The building block is an unsecured credit loan. Users need to provide credit card, real-name mobile phone number, sesame credit score and other information when applying for a loan on APP, mainly in cooperation with sesame credit score. At present, there is no credit information of the central bank.
Pat tape
Auction loan has its own credit information system, so it is not included in the central bank's credit information system from loan application to lending.
Atomic loan
Atomic loan is a credit loan product launched by Rong 360, which can provide users with a quota ranging from 500 to 50,000 yuan. Atomic loan mainly cooperates with Sesame Credit Branch, and there is no access to the central bank's credit information at present.
Good wallet
Good wallet is an APP mainly used for installment consumption. Can provide users with a quota ranging from 2000 to 20000 yuan, with the lowest monthly interest 1%. There is no access to the credit information system at present.