Due to the poor personal credit, it is difficult to check the credit information of banks, and some ordinary loans such as Jingdong Finance and Alipay will also check the credit information. So which online loan apps don't need to check credit information? The following are ten regular online loan apps for everyone.
1, money shopkeeper
The amount is between 1000- 10000 yuan, and the repayment time is within 7-30 days, but the interest of the cashier will be higher, 1.4% per day. When it expires, you will receive a SMS reminder. If you fail to repay on time, you will be included in the list of untrustworthy.
Step 2 borrow money
The loan app of Rongchuang Chuangfu Business Consultant (Beijing) Co., Ltd. can provide users with small loans of 500- 1000 yuan to meet daily needs. The amount is low, but they will not check the credit information, and the interest is 0.658% per day.
3. Renren Loan
P2P lending information intermediary service platform was established in China early, covering more than 2,000 areas in China. After completing the certification, you can get a credit loan of 1 0,000-10,000,000 with a repayment period of 6- 1.2 months, which can meet the needs of many people.
4. Online payment
The online cash withdrawal amount is between 200-2000 yuan. Although the amount is relatively low, there is no need to check credit, so many people in need can get loans. The repayment period is 7- 14 days, and the daily interest is 1%.
5. Borrowing at the speed of light
Similarly, as a regular online loan app that does not look at credit information, the loan amount is only 500- 1000 yuan, the repayment period is only 7- 14 days, and the interest is only 0.05% per day, which is suitable for those users who need loans urgently.
Borrow some flowers
The loan amount of 5 1 is the same as that of lightspeed loan, ranging from 500- 1000 yuan, and the repayment period is only 7- 14 days, but the interest should be repaid at a high rate, which is suitable for users who need funds urgently in a short time.
7, lightning turnover
The domestic pure online loan vertical platform is dedicated to providing loan services for office workers. The loan amount is 500- 1000 yuan, and the interest is relatively low, 0.86% per month. Just pay back the money on time.
8, the era of small trees
The financial service platform that focuses on young people's consumption can get a quota of 3000-8000 yuan without checking credit information, and the repayment period can be divided into 3- 12 months, which needs to be repaid monthly.
9. borrow money
The loan amount is100-3,000 yuan, and its interest will be a little higher than the previous loan app, reaching 1- 12% per month, and the repayment time will be within 7-30 days.
10, sec
Second loan is also one of the top ten regular online loan apps that don't look at credit information. After certification, you can get a quota of 1 1,000-3,000 yuan. If the loan is paid off in 65,438+0-3 months, there will be no problem. Its interest rate is 65,438+00% per year.
Don't look at the online loan of credit information?
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, if you don't look at loan products with credit information, the interest rate will not be low, and there may be many usury. Therefore, everyone must keep their eyes open when applying to avoid falling into the trap of usury.
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, while most other microfinance platforms do not receive credit information. Similar micro-loan platforms include Hi Money, Money Station, Quick Money, Pat Loan, Cao Cao Loan, Lack of Money, borrow money fast, Atomic Loan and so on. 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.
What loans do not require credit reporting?
There are many loans that do not require credit reports, as follows:
1. Loans that don't require credit investigation include pat loan, credit wallet, kiss loan, Dafeiyun loan, me loan, mobile phone loan, you-me loan, finger loan, Cao Cao loan, malt loan, flash silver loan, magic lamp loan, Beijing Jiufu loan, magic cash, flowers for you _ silk loan, you-me financial loan and credit. Quick Loan, Didi Good Loan, Butyl Loan, Wanda Loan, American Loan, Lebao Loan, Want to borrow money, Quick Loan, Quick Loan Bear, Sweet Orange Small Loan, Blue Collar Loan, Mavericks Loan, Cash Bus, Pratt & Whitney Quick Loan, Atomic Loan, Meme Loan, Renren Loan, Xinshan Loan Hi Seconds Wallet, Lightning Loan, Reading Seconds Loan, Xiaohua Wallet, Xiaomi Finance and Fun Loan. The following is a detailed introduction of some loans.
(1) I came to borrow money. This is a mobile loan application designed for young people. There is no need to check the credit. It is the fastest-growing micro-mobile loan product for college students and white-collar workers in China.
(2) Easy to borrow money is an interesting start. You can pay without checking the credit. The loan amount is less than 3000 yuan, and the service life is fixed at 7 days. But you must have a real-name mobile phone number and Alipay. I don't think much about credit investigation.
(3) For cloth wallets, if you don't look at credit loans, I suggest you try cloth wallets. As long as more than 500 sesame seeds can be provided, the pass rate will be greatly improved.
(4) Internet financial service platform provides users with short-term microfinance services. Generally speaking, I don't read credit surveys.
Harm of loan
1. If it is a penalty interest, 50% interest will be charged.
2. You can't enjoy preferential loans or even apply for loans.
3. Have bad credit records, which will affect the handling of loans and credit cards in the future.
4. Narrowing the blacklist even affects children. For example, children can't go to key schools
The bank wrote a lawyer's letter to Sue to the court: If the payment is not made for more than three months, it will be very serious! The loan bank will urge the loan to be received in accordance with the law and bring a lawsuit to the court according to the loan contract and guarantee contract. The court will take measures such as property preservation, including freezing deposits in all bank accounts of lenders and loan guarantors, and sealing up collateral and pledge.
Borrowing, spending, micro-lending, spending money, IOUs can't be trusted? Here comes the detailed introduction.
Credit is our economic passport, and good credit can make our loan more smooth. At present, there are many loan channels in the market, especially online loan channels, such as big brand borrowing, spending money, micro-loans, rich flowers, IOUs and so on. Are all these loans under credit investigation?
Alipay-spend and borrow
Flower buds and borrowing buds are different credit products, and flower buds are consumer credit products, which can only be used for consumption, not tx.
, users can use it in merchants that support flower garden payment. Flower buds can be consumed first and then repaid, and the bill will be paid off before the repayment date without paying any interest. Lending treasure is a credit loan product. After obtaining the quota, you can withdraw cash within the quota, and you can use consumption after withdrawing cash to the bank card or balance.
At present, both the borrower and the borrower are collecting credit information.
In the past, flowers were not used for credit reporting. Recently, some users have been included in the credit investigation after upgrading, and some users have not upgraded, so there is no credit investigation involved. Alipay officials also said that users of Huayuan will cover credit information one after another. See if your flower buds have been included in the credit report. The path is as follows: Flower Bud-My related contract and product description. If "personal information inquiry and submission of power of attorney" appears, it means that you have been involved in credit investigation.
The loan is a cash loan product, so the loan must always be on the credit report, and the user reports it to the credit report at the loan repayment record meeting.
Tencent-micro-loan
Micro-loan is the credit product of Tencent Weizhong Bank and also the credit product of big brands. Weizhong Bank is the first Internet bank in our country with relatively complete qualifications.
At present, small loans are also on credit. How is the credit information displayed on micro-loans?
Because micro-loan is a loan from Weizhong Bank, as long as the loan application is submitted and the authorization is confirmed, it will be displayed in the name of "loan approval". Moreover, it should be noted that the loan and repayment records of microfinance will be displayed in the credit report. As long as it is a normal repayment, there will be no negative record. If the user is overdue, the user's personal credit report will show the overdue times and overdue time, so don't be overdue.
Spend a little money-have money to spend.
Qianhua is a credit product of Baidu Finance, a former subsidiary of Xiaoman Finance. It is a big brand, reliable and low interest rate. Applying for money is relatively simple. After approval, it will be received in three minutes at the earliest.
Do you have money to spend on credit investigation?
At present, money is also used for credit investigation. As a consumer credit service product under the formal supervision of the state, Money Flower has been connected with the central bank's credit reporting, and it is strictly implemented in accordance with the credit reporting management norms of the People's Bank of China.
In fact, accessing credit information is not a bad thing, because consumer loan products access personal credit information, which helps financial institutions to evaluate users' personal credit status. If it is not overdue, a good credit loan repayment record will become "positive information" for users, which is conducive to the accumulation of users' personal credit level and a good credit certificate for applying for other loans.
Jingdong finance-baitiao gold bar
Besides shopping centers, JD.COM also has financial services. The credit consumption products launched by JD Finance include white bars and gold bars, of which white bars are similar to flower buds, which can be paid after consumption and have an interest-free period, while gold bars are credit products, and users need to withdraw cash first when using them.
At present, white bars and gold bars are on credit, and users need to repay on time. If the user is overdue, it will not only affect personal credit, but also generate a certain penalty interest.