Formal lending institutions will definitely look at personal credit information, and institutions that do not look at personal credit information are informal.
Ways to apply for loans:
1. Private lending: Private lending refers to the financing behavior among natural persons, legal persons and other organizations and among them, rather than between financial institutions engaged in loan business and their branches established with the approval of financial supervision departments. Lenders and borrowers only rely on the so-called reputation to maintain, the loan procedures are incomplete, there is no mortgage guarantee, and there is no reliable legal guarantee. Once the situation changes, it is easy to cause disputes and even criminal offences.
2. Bank loan: refers to an economic behavior that a bank lends funds to people in need of funds at a certain interest rate according to the policy and returns them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
3. credit card installment payment
4. Online loan: The diversity of loan channels gives users a variety of choices. Everyone can choose different loan channels according to their specific conditions and needs. There are many loan channels, and it is hoped that borrowers will choose formal channels to prevent being cheated.