Online loans based on college graduates' diplomas are definitely risky for the following reasons:
1. First of all, there are so many online lending platforms that you can't judge whether they are legal or not.
2. There are many online lending platforms, and the quality management is uneven. Some potential interests or real interests are high, but they are not marked, and disputes are discovered only after borrowing.
3. If college students don't have a fixed income, they can't repay after borrowing, which will affect their personal credit evaluation or be threatened by online lending platforms.
4. Unsafe online lending platform may also reveal your personal information.
You can't get a loan from a regular lending institution only with a photo of your ID card. Now you need to sign it yourself. If suspicious information is found in personal credit records, it can be confirmed at the relevant bank first. If it is found that personal bad credit records are caused by bank mistakes, the relevant banks can report to PBOC to eliminate them. At the same time, individuals should pay attention to develop good consciousness and habits in their daily life, for example, take good care of their identity cards and their copies, and mark their uses online when necessary. If the ID card is stolen and the loan is suspected of fraud, it is recommended to report the case to the public security organ in time.
Diploma loans are mainly popular abroad. Simply put, it is the loan amount that can be obtained from the diploma of which school or college. However, it is impossible to get loans only by academic qualifications, but those with high academic qualifications may get higher loan quotas.
Many lending institutions slogan "You can apply for a loan with a diploma", which is similar to the slogan "You can apply for a loan with an ID card". Its authenticity and reliability are really difficult to guarantee.
At present, only a few lending institutions require lenders to have a bachelor's degree or above, and have developed products of "education loans", which are often credit loans, and are suitable for people who have no stable income or whose income is lower than 1500 yuan after graduation. Most credit loan products have certain requirements for the applicant's income, age and working years. College students can apply for academic loan, but whether the loan can be successfully applied depends on the applicant's comprehensive qualifications, not academic qualifications.
In addition to credit loans, college students can also apply for business loans. To apply for a business start-up loan, you need to provide not only your graduation certificate, but also your valid identity document, marital status, guarantee certificate, business license of relevant industries and business license. The reason for providing so many supporting materials is to better control the risks of lending institutions, and only in this way will lending institutions release funds. If you want to apply for a venture loan, you only need to provide a diploma, and the borrower's repayment ability and venture project are unknown, which undoubtedly increases the risk of the lending institution. Therefore, it is almost impossible to apply for a loan only based on academic qualifications.
In the absence of funds, we can apply for loans in many ways. For example, if the borrower has real estate, we can consider mortgage loan. If you don't have real estate, you can consider small loans. Of course, the key to the problem is that it needs to be considered comprehensively in combination with its own actual situation.
Therefore, education level is not the main factor affecting loan approval. You don't have to worry too much that your education is not high enough to get the ideal loan amount. You can also choose a lending institution that suits you according to your own situation. If you have micro-loan needs, you are welcome to apply for credit products through the Internet. These products are very fast, and you can borrow money by submitting information online.