Is there any loan APP that does not require a credit report or a credit card?

When borrowing through bank channels, personal credit information will be assessed;

Personal credit The record is stored in the People's Bank of China Credit Information System. ① You can try to log in to the People's Bank of China Credit Information Center website to check your credit report: Please click here::ipcrs.pbrc../ to check your personal credit record; ② Currently, you can also check your personal credit record through our bank Check personal credit report over the counter and professional version (no fee is charged for the time being). Loans that don’t require any credit

Loan conditions:

1. Chinese citizens who have a fixed residence in the location where the loan is located, or have a valid residence certificate, are aged between 18 and 60 years old (inclusive), and have full capacity for civil conduct;

2. Have the ability to repay the principal and interest of the loan on time;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. There must be no bad records left in the bank

5. The monthly income is more than 2,000 yuan

If the above conditions are met, you can apply for a loan. Which mobile phone loans do not require sesame points and do not depend on credit reporting?

Loans generally depend on personal credit reporting. Loans that do not rely on credit reporting are basically non-existent. It is recommended that you look for a formal loan company when applying for a loan. Loan company applies for a loan. What kind of online loan doesn’t look at Zhima points and doesn’t require a credit card? Need money urgently, thank you

Conditions for applying for loan business:

1. Natural person aged 18-65 years old;

2. Actual age of the borrower The loan application period should not exceed 70 years old;

3. Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

4. Have good credit and no bad records;

5. Other conditions specified by the bank. Are there any online loans that don’t look at credit reports or Zhima credit scores?

There are many, so I won’t list them all here to avoid suspicion of advertising. However, it is recommended to go to a bank for a loan instead of online loan, because in addition to high interest rates, there are many risks.

Extended answer:

The risks of online loans are as follows:

The virtual nature of online transactions makes it impossible to verify the creditworthiness of both borrowers and lenders. This situation may lead to fraud and breach of contract disputes due to non-payment of debts.

Among the large amount of lender information released by online platforms, many of them issue loans in the name of loan companies, financing companies, etc. In fact, only financial institutions approved by the state can engage in financial services such as credit financing. Those who engage in financial activities without authorization are often held legally responsible for illegally raising funds, illegally attracting public deposits, and disrupting financial management order.

If loans are issued through an online platform, if the online platform neglects self-discipline, or the internal control procedures fail, or is exploited by others, it may be possible to fabricate loan information and illegally raise funds. .

Shortcomings of online loans:

There is no way to rely on it. The interest on online loans sometimes far exceeds the prescribed interest rate. Once an economic dispute occurs, the lender cannot protect these interests.

It is easy to get old and old. Due to the lack of a bank's integrity system, late repayments often occur.

Crime space. Bad debts often occur in online lending, and some are even suspected of financial fraud. In addition, online lending can easily become a tool for illegal fund-raising.

Characteristics of online loan scams:

The company has a relatively big name, such as the so-called Integrity Group xx Loan Group xx Loan Group Company, etc. Such companies cannot exist at all, and the industrial and commercial authorities do not Such company name registration may be permitted.

Some will pretend to be the name of a bank or a well-known company, but they do not have an office address and cannot provide a real company business license and personal ID card.

Generally, only mobile phone numbers and contact persons are provided in advertising information. By querying mobile phone numbers, it can be seen that the releasers are concentrated in a few provinces in China.

The loan conditions are easy. No mortgage is required and no income check is required. Basically, you can get a loan with just an ID card.

When a loan seeker is interested, scammers will use various reasons to ask for fees first, such as interest, lawyer fees, verification fees, insurance premiums, handling fees, deposits, etc.

After the loan seekers paid in advance, they found that the scammers’ mobile phones could no longer make calls. Some loan seekers even did not know the other party’s company, personal name, ID card, or even where the other party was. If you don’t know it, you have been deceived. If I am over 19 years old, can I get a loan without checking my credit report or Zhima credit score?

Only those who are 19 years old but have a stable job can apply. I won’t look at Sesame Points and the like. Try applying by yourself. That one can get a loan without sesame points and no credit reference

No credit reference, no sesame points. Then you need provident fund, social security, credit card, Xuexin.com to name a few. There is nothing and basically no openings. They also use credit loans. I really don’t ask you for a mortgage. Relevant proof You will definitely need to provide a little bit of it. Can I get a loan with a Zhima score of 500 and a bad credit score? With Zhima Credit

If you have a CMB savings card, you can also log in to CMB mobile banking and click "Homepage → All → Loans → I want to borrow money → Good date "Loan" try to apply for a small loan.

Loan amount: The minimum is not less than 500 yuan, and the maximum is 200,000 yuan, but the specific amount is subject to the result displayed by the system after your application is approved;

Repayment method: Equal amounts Repayment of principal and interest;

Loan term: Supports 3, 6, 12, 18, and 24 monthly installments;

Borrowing fee: The reference daily interest rate is 0.045%, please refer to the actual display on the interface shall prevail; no platform service fee will be charged. Is there any loan software that does not use Sesame Credit?

If you have our all-in-one card, you can log in to mobile banking, click "My" - "All" - "Loan" - "I want to borrow money", and pass This interface attempts to apply for a "flash loan" without referring to Sesame Credit Score.

Warm reminder: If you are unable to apply, it is recommended that you apply for a home loan, car loan, consumer loan, etc. according to the purpose of the loan. Such loans are earmarked and paid directly to the counterparty, and cash cannot be loaned.