Check out those who don’t need a credit card: You don’t have to have a credit card to get a loan!

Internet finance is developing faster and faster, and applying through mobile phones has become a habit among young people. Loans and credit cards have always been one of the fastest ways to get money. There is no need to ask relatives and friends. As long as you have a limit, you can solve the problem of lack of money. However, the threshold for credit cards is relatively high, and not everyone has a credit card. So what loans are there on the market now that you can apply for without a credit card?

1. Suning Pay at will

Pay at will by Suning Consumer Finance Company, which has the characteristics of low threshold, large limit, fast payment, many discounts and flexible payment. Generally, the amount you apply for for the first time with Suning Pay will be relatively low, ranging from about 3,000 yuan to 8,000 yuan. For some well-qualified users, the amount can be higher, reaching tens of thousands. Frequent use of discretionary payment and multiple installments will help to increase the amount.

2. JD Gold Bar

JD Gold Bar is a pure credit loan product of JD Finance, which allows everyone to withdraw cash directly. In fact, JD Gold Bar is an upgraded version of JD Baitiao, allowing everyone to have more money. The loan limit is relatively large, up to 200,000 yuan. You can borrow money by binding your bank card or credit card. The better your credit, the greater the credit limit.

3. 360 IOU

The platform under 360 Finance calculates interest on a daily basis, which is very suitable for users who are temporarily short of money. You can borrow without a credit card, and the quota is difficult to obtain. Everyone can try it.

In short, lending institutions require borrowers to bind credit cards and submit credit card bills to control risks. After all, users with credit cards generally have better credit reports because they cannot apply for a card if they have overdue records. However, most platforms do not require a credit card to apply.

In addition to credit cards, what else can be used to pay in installments? Pay attention to these matters

Credit cards can provide interest-free overdrafts and installment payment services. Cardholders who value a product can pay with a credit card first and then repay in installments, which will reduce the repayment pressure. . In addition to credit cards, there are many products that can be paid in installments. Today I will take stock of them for you.

In addition to credit cards, what else can be used to pay in installments?

1. Huabei: Similar to a credit card, it also offers interest-free overdrafts and installment payments, with a maximum limit of 200,000 yuan. There are two ways to pay in installments in Huabei. One is to make installments at the same time as payment; the other is to make installments after payment and wait for the bill to come out. The difference is that the installment repayment time is different.

2. Jingdong Baitiao: Huabei’s competitor, Jingdong Financial’s consumer credit loan product, also has a maximum limit of 200,000 yuan. Like Huabei, it also has two installment payment methods, one is installment during shopping , one is installment after shopping. Unlike Huabei, JD Baitiao can also be used for combined payments.

3. Suning pays at will: Suning Financial consumer credit loan has a maximum limit of 300,000. Payment can only be made in scenarios that support Suning Financial coverage, and the limit cannot be withdrawn. It is also possible to pay in installments at the same time as shopping, or in installments after shopping.

4. Ping An Orange Blossom: Ping An Finance’s new product, with a maximum quota of 200,000 yuan. In addition to borrowing money, the quota can also be bound to payment on Alipay and WeChat. After using the quota, etc. You can also apply for installments after the bill comes out, and it can be divided into up to 3 years.

The above is the relevant introduction of "In addition to credit cards, what else can be used to pay in installments", I hope it will be helpful to everyone. The last thing to remind is that no matter which installment product you use, don’t overdo it. After all, you have to repay after the installment. If you apply for too many installments, it will also increase the pressure of repayment.

How to buy Apple in installments without a credit card

1. Installment purchases in offline stores

Many physical stores now cooperate with lending institutions to pay installments. Users who do not have a credit card can ask the store clerk if installment payment is supported when purchasing an Apple mobile phone in an offline store. If so, the user can apply for installment payment by providing their ID card and bank card and filling in the relevant loan application information.

If the store does not support it, the user can change it to a store that supports it. When applying for installment payment in a store, you need to ask about the down payment and interest of the installment.

2. Installment purchase on online platforms

There are also many online shopping platforms that support the purchase of Apple mobile phones in installments, such as JD.com, Tmall and Apple’s official website. You can use JD Baitiao to purchase Apple mobile phones in installments on JD.com, and you can use Huabei to purchase Apple mobile phones in installments on Tmall Mall and Apple's official website. On event days such as 618 and Double Eleven, some merchants will offer interest-free installments. Apple’s official website has cooperated with Huabei, which allows up to 24 interest-free installments.

3. Apply for purchase

If the user does not have a credit card and the JD Baitiao and Huabei credit limits are not high and cannot purchase an Apple phone in installments, the user can apply for some credit loans to purchase an Apple phone. There are credit loan products on WeChat and Alipay, and users can also apply for them at some consumer financial institutions. The credit loan application threshold is generally relatively low, the loan amount is relatively high, and no mortgage is required, but it depends on the user's credit situation. If you want to apply for a loan, you must apply with a regular and reliable lending institution, otherwise you will easily be cheated.

How to pay in installments without a credit card

Question 1: How to pay in installments without a credit card? First of all, you need to have a credit card, provide your identity document, proof of employment and income, real estate certificate, and deposit , insurance policy and other proof of financial resources. The bank will assess your credit limit based on your financial situation, but if you want to use this credit card for installment, you need to hold the card for half a year or more than one year! However, credit cards are easy to use and very comfortable to use, but you have to pay them back after using them. Although there is no interest rate, after the interest-free period, the increase will still be doubled. Use a credit card to make purchases in installments. There is usually a handling fee, unless you order installments by mail. CCB, Bank of China, Ping An, etc. all have zero handling fees. Ping An still has zero shipping fee. In addition to these special banks, objectively speaking, although credit card installment consumption is very convenient and swiping the card is very chic, the installment fee for some products is much higher than that of banks, and some electronic products can only be purchased at Installment merchants are equipped with accessories, and generally the products available for installment are more expensive than those sold outside, which is not cost-effective. It is more cost-effective to suggest that you apply for a loan. You can apply for a loan from a local rural credit cooperative or a local bank, but it is recommended to apply online because the loan officers of local banks or rural credit cooperatives may not be professional, and some professional lending institutions are different. , they know which bank has this product, which bank has the highest loan amount, the lowest loan interest rate, and the longest loan term for this product. We will give you the most suitable loan solution. If you are interested, you can take a look: it may be helpful to you! Anyway, if you can’t get a loan, you won’t be charged! Good luck!

Question 2: How to pay for a mobile phone in installments without a credit card? Credit cards are now very popular and easy to apply for. The price of mobile phones is generally relatively small, and there seems to be no merchant offering such installment payments at present. You can give your friend money to help you pay in installments. If the merchant really offers such installment payment, the handling fee and installment fee will definitely be very high!

Question 3: What should I do if my credit card does not have an installment plan? You can download an APP of this bank or follow and bind its credit card center WeChat official account. If you have large purchases, it is best. Call the bank's credit card center to apply for installment. This is very convenient, and applying for installment will help to increase the credit limit. If you don't apply for installment, it doesn't matter. The bank will have a minimum monthly statement after it comes out. The repayment amount is as long as the minimum repayment amount is paid each month.

Question 4: How to buy a mobile phone by installment online? Is a credit card necessary? You don’t have to use a credit card. Now Jingdong has Jingdong Baitiao to pay in installments. Jingdong’s own limit does not occupy your credit card limit and will deduct your credit card repayment every month. Tmall can also pay in installments. Currently, I want to use Tmall to pay in installments. You can directly use your credit card to make installments and occupy the credit card limit. Second, you can freeze the corresponding limit in Yu'ebao and repay in installments. Yu'ebao can also generate income without occupying the credit card limit.

You can directly search for products that support installment payment on Tmall and JD.com and then use credit card for installment payment, or you can go to the official credit card store where you applied for payment and use credit card for installment payment.

If you are offline, just swipe the POS machine, then log in to online banking, and select the installment in the installment column. You can set the number of installments according to your own repayment ability.

If you don’t understand, keep asking~

Question 5: How to pay for a mobile phone in installments without a credit card? Please go to the business hall of the communication company to choose a contract phone, which means committing to all N every month Just count the amount of the phone bill.

Question 6: If I don’t apply for installment on my credit card, is the minimum repayment acceptable? Yes, but you will have to pay interest on the unpaid portion, which is 0.5% per day.

Question 7: How to pay in installments without a credit card? Hello, if you hold an account with our bank, the all-in-one card (debit card) currently does not have an installment payment function. It is recommended that you apply for a credit card and try to apply for installments. In terms of consumption patterns, our bank's credit cards currently have shopping installments during consumption and billing installments after consumption: 1. Shopping installments: Choose to purchase designated goods or services in installments through our bank's special merchants. For the specific charging standards and applicable merchants for installment payment, you can log in to our credit card website creditcard.cmbchina/ and click "Instalment Payment Shopping" to inquire; 2. Bill installment (only cardholders with commercial cards or supplementary cards are temporarily unable to Application): If the merchant you shop at is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our bank's credit card, which can help you repay the consumption amount in your bill in monthly installments. For details, please log in to the credit card website creditcard.cmbchina/ and click "Credit Finance" - "Bill Installment" to inquire.

(You can consult online through QQ or WeChat about the China Merchants Bank credit card service information you want to know. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: In Search the number "cmb4008205555" on WeChat and follow China Merchants Bank Credit Card Center)

Question 8: Can I buy a mobile phone in installments without a credit card? Yes

Question 9: What does Taobao installment payment mean? Do you need a credit card? I don't have a credit card. . . You don’t have to have a credit card, just bind Alipay and real-name system, and have online banking.

Question 10: There is no CCB Long Card, only a credit card, only a savings card, how to pay in installments? Your savings card is from China Construction Bank, you can Go to China Construction Bank to apply for a credit card, and the repayments can be linked to a savings card, which saves you having to save money every time.

But make sure there is sufficient repayable money on the savings card, otherwise there will be a bad repayment record, which will affect your personal credit (loan)

There are handling fees and interest when applying for a credit card in installments. Pay 833 per month in six installments, plus a handling fee

Pay 416 per month in 12 installments, plus a handling fee every month

How can I buy a mobile phone in installments without a credit card? You can try these methods

Many card friends have started to buy mobile phones in installments, but some friends are more helpless because they don’t have a credit card, but they don’t have enough money to pay in full, and they just want to know how to pay for it in full. Are there any other channels through which I can buy mobile phones in installments? This is also available.

In addition to credit card installments, there are quite a few e-commerce platforms where you can buy mobile phones in installments. For example, you can use Huabei installments on Taobao and JD Baitiao installments on JD. Here is a brief introduction to the relevant matters.

1. Buy mobile phones in installments with Huabei:

You can buy mobile phones in installments at stores that support Huabei consumption. There are two installment methods. One is to make installments at the time of purchase. , one is to choose installment after the bill comes out.

Huabei installment plan can be divided into 3/6/12 installments. The total installment fees are: If the payment is successful, you can only try to increase the Huabei limit. For example, you can pay off the debt first, or receive a temporary limit.

2. Buy mobile phones in installments on Jingdong Baitiao:

Buying mobile phones in installments on Jingdong Baitiao is the same as Huabei. There are two installment methods, and it can only be purchased in advance if the amount of Baitiao ≥ the price of the mobile phone. Purchase successful. However, it is different from Huabei. If the Baitiao limit is not enough, you can also pay with a bank card, that is, the Jingdong Baitiao limit will be deducted first, and then the insufficient amount will be deducted from the savings card.

Jingdong Baitiao can buy mobile phones in 3/6/12 installments, and the handling fee for each installment is relatively cheap.

The above is the relevant introduction to "How to buy a mobile phone in installments without a credit card". I hope it will be helpful to everyone. The last thing to remind is that no matter which of the above methods is used to buy a mobile phone in installments, you must repay it on time, otherwise overdue payments are likely to result in a bad credit record, which will have a certain impact on future credit card and loan applications.

Can I buy a mobile phone by installment without a credit card?

1. You can buy an Apple mobile phone by installment without a credit card, as long as the purchasing channel supports card-less installment.

2. Many sales channels now support installment payments without credit cards, such as: Taobao Tmall, JD.com, Zhongguancun Online ZOL Mall, Pacific IT Mall, etc., and of course there are many offline ones. The store also supports installment without a credit card. Please consult your local dealer for details.

Extended information

How to buy a mobile phone without a credit card:

1. Operator installment (contract phone):

Operator installment plan You can purchase the phone for 0 yuan, but you must use your mobile phone card for the specified time, and the package fee cannot be reduced. This is a cooperation between operators and mobile phone manufacturers. Operators can better promote their mobile phone cards, and mobile phone manufacturers can speed up shipments and gain profits. To purchase a phone this way, you generally need to go to a physical mobile phone store.

2. Online shopping platform Baitiao:

Generally, this type of platform is reliable, and it mainly promotes consumption on the platform and is free of handling fees. For example, the online shopping platforms we are familiar with include JD.com, JD.com, Baitiao, Taobao, Huabei, Gome Fenqi, etc. To purchase a phone this way, go directly to the online shopping platform to select a phone, and then choose installment payment when making payment.

3. Direct online loans:

There are many companies of this type that lend you cash directly, and then you pay in installments on the platform. Get the money and go shopping by yourself. This type of company usually earns interest and handling fees, and they are not low. They do what they can. This method is to purchase a machine, log in to the corresponding online loan platform, borrow money in installments, and then it doesn’t matter if you buy it online/directly with cash.