What loan can't be loaned? I believe many people are more concerned about this issue. At present, most of them have access to credit information after rectification, but no matter what the motivation is, it is certain that there is still a credit information platform.
Hua Wu Jue. Hua Wuque doesn't look at users' credit reports. White households and black households can apply for loans, but they must have stable jobs. If they have social security, they have a better chance to pass. The maximum amount of this hole is 8,000 yuan, the longest service life is 6 months, and the daily interest of the loan is 0.2%.
Where is the money? Money has no requirement for the applicant's credit, and the pass rate and the next payment rate are high, and the next payment speed is fast, so there is basically no need to wait. The loan amount of this hole is 1 1,000-3,000 yuan, and the service life is 30 days.
Kuaihui wallet. Kuaihui wallet was launched last year. It is very easy for working friends to pay and get a higher amount. At present, the maximum down payment of the tank is 50,000 yuan, the service life is 6- 12 months, the interest is low, and the repayment pressure is small.
Have some money. Paying some money ignores the user's credit information and liabilities. As long as the age is between 18-50, you can pay more than 500 sesame points. The maximum loan amount of this project is 6,543,800 yuan, but the service life is short, only 7- 1.4 days, and the repayment pressure is great.
In addition, there are a number of small online loans that don't look at credit information, such as quick loans, pat loans, small loans from relatives, my loans, mobile phone loans, Qian Bao loans, you and me loans, Cao Cao loans, malt loans, flash loans, flower buds, diaosi loans and so on.
Under normal circumstances, the loans we handle in banks, such as holding banks, policy banks, commercial banks, credit cooperatives, foreign banks and private banks, will be investigated.
Because most bank loan standards are implemented in accordance with the provisions of the People's Bank of China, there is a unified standard for both loan interest rate and loan term. Even if only 1 yuan in the loan is overdue, it will be recorded in your personal credit report.
In fact, whether you look at the loan or not, timely repayment is the best choice. Don't think that you can maliciously delay repayment or even not pay it back without reading the credit information, especially some online loans. The way of debt collection is unreasonable and violent.
Which platform doesn't look at credit reporting and borrows money?
The following loan platforms are easy to pass:
1, money to spend: a well-known lending platform, not many degrees, you may not know! But you must know Baidu, so I won't say much here! Formerly called "Baidu has money to spend", the existence of T 1 team level is reliable!
2. Paipai Loan: the first P2P peer-to-peer lending platform in China and a personal credit online lending platform. At present, China Merchants Bank provides a fund depository system for auction loans. The purpose of its establishment is to provide a safer and more efficient platform to make the lending behavior between individuals more standardized, safe and effective.
3. Borrowing: As long as the sesame credit score is above 600, you can apply for the loan service launched by Alipay.
4. Micro-loan: In addition to Alipay's ant loan, the most recommended is micro-loan, which is very suitable for young people now, because it has brought convenience to hundreds of millions of people through the most commonly used WeChat official account.
5, 360 loan: backed by Qihoo 360, it has a high reputation. Security itself is to do network information security. In terms of big data, there are also many precipitates.
6. Renren Loan: Founded on 20 10, Renren Loan is strictly audited by borrowers, and Minsheng Bank provides a fund depository system for Renren Loan.
What loan can't be loaned?
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 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: if it is not returned for more than 3 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. Measures such as property preservation will be taken, including freezing deposits in all bank accounts of lenders and loan guarantors, and sealing up collateral and pledge.
Which platform is good for borrowing money, which is easy to pass, regardless of credit information!
Loan platforms that are easy to pass without looking at credit information mainly include the following categories:
1, comfortable flowers. Users can make installment loans within the limit.
2. Little elk. Don't read the credit report, the second audit, the second payment. Ok: 1000-5000 yuan.
3. Save it. Financial products with ultra-low interest rate and installment repayment have fast evaluation and review speed.
4. People's livelihood helps food loans. Lending can be made on the day of audit.
5. borrow wheat. Don't look at the online loan platform for credit information, and provide you with two products: lightning loan and large loan.
6, star wallet. If you don't look at the credit information, the threshold for office workers to apply is low, and students are approved in seconds.
The above is the recommendation that the loan is easy to pass, regardless of credit information. Those who want to borrow money in an emergency can refer to these platforms. As long as you have a mobile phone, you can apply anytime and anywhere.
1. Credit information records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
2. Credit investigation activities originated from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage.
3. The essence of credit is a creditor-debtor relationship, that is, the donee (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and even the whole world, it will be extremely difficult for one party to know the credit status of the other party. At this time, understanding the credit status of market participants has become a demand, and credit investigation activities have also emerged. It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.