Which platforms can you borrow money from without checking your credit report?

Loan platforms that do not check your credit report include JD Finance, Huanbei, 360 IOU, Alipay, Huabei, Shengbei, and Zhongyuan Consumption Finance, if you have money to spend, enjoy spending it, Suning Consumer Finance and so on.

Some borrowers failed to repay their loans on time due to some reasons, resulting in overdue loans and stains on their credit reports, which greatly increased the difficulty of getting loans; some borrowers were rejected for loans due to limited income. outside the door. In this case, apps with low loan thresholds have become very popular. So which loan platforms do not check credit information? Let me summarize some loan platforms that do not check credit information. This will not only make it easier for everyone to borrow money through mobile phones. Some borrowers have failed to repay their loans on time due to some reasons, resulting in overdue loans and stains on their credit reports, which greatly increases the difficulty of getting loans; some borrowers have been turned away from applying for loans because of their limited income. In this case, apps with low loan thresholds have become very popular. So which loan platforms do not check credit information? Let me summarize some loan platforms that do not check credit information. This not only makes it easier for everyone to get loans through mobile phones, but also improves the security of mobile loans.

1. Jingdong Finance: Jingdong Finance provides users with functions such as browsing and snapping up popular financial products, transferring in and out of small vaults, viewing asset returns, viewing transaction information, etc. It can also help you pay bills, make payments, etc. Various functions, if you like trendy things, then you can try the crowdfunding function.

2. Huanbei: Huanbei provides users with safe and secure borrowing services. Free registration applications are received in time, easily alleviating emergency fund needs! It only takes two minutes at the fastest to review, and the fastest loan It only takes 3 minutes to use, and the loan limit is very high, you can borrow up to 50,000 yuan.

3. 360 IOU: 360 IOU provides users with convenient loan and borrowing services, and also provides users with a free choice of repayment periods and repayment methods, allowing more urgently needed Users who use money can borrow money quickly and solve their current difficulties. The application allows users to bind a variety of cards, and supports binding loans and repayments with current mainstream bank cards.

4. Alipay Huabei: Alipay Huabei provides users with a platform to borrow money easily and quickly. The system will provide you with reasonable loans based on your actual consumption capacity and comprehensive income capacity, solve the user's financial needs, and bring convenience to the user's life.

Are there any loans that do not require a credit check?

Usually, a personal credit check is required when applying for a loan, but some lending institutions say that a personal credit check is not required for loans, such as Renrendai , Haoqidai and other platforms, but not checking the credit report does not mean that the user does not have to repay. The borrower still needs to maintain a good repayment record.

Many loan users say that on large platforms such as Jiebei, Youqianhua, and Weilidai, applying for a loan requires either a credit check or a score, which is too troublesome.

There are no formal online loan apps or websites that are registered with state agencies and indicate the source. Most loans are issued in the name of IOUs. There are obvious differences between other online loan institutions. The interest rate is three to four times higher than that of formal online loans. A handling fee will be deducted from the payment, and there will be "head-off interest".

Approval relies on salespersons and phone calls to verify transactions. There is no open and transparent data and processes. The borrowing time is short and installments cannot be processed. A loan period is 15-39 days. The repayment channel is maliciously closed, resulting in arrears. Users overdue, and then violent collection.

When you see an online loan platform that does not require credit reporting, you must be careful because it may be a "black" online loan. Borrowing users must choose a platform with a big background. The greater the brand background, the more secure their own strength will be. For example, BAT’s three major credit products are all from well-known families. Jiebei is a credit product of Alibaba Ant Financial. Weilidai is a credit product under Tencent WeBank, while Youqianhua is a credit service brand under the original Baidu Finance. They are both big brands.

When withdrawing cash with a credit card, the general daily interest rate is 0.05%, that is, the daily interest rate for borrowing 10,000 yuan is 5 yuan. Compared with credit cards, the interest rate is lower when you have money to spend. The interest calculation is transparent, and when you have money to spend - With Manyidai, the daily interest rate starts as low as 0.02%, and the interest rate on a loan of 10,000 yuan starts from as low as 2 yuan per day.

:

How to judge credit information on online loans

Method 1: Search

If you encounter an online loan that you are not sure about When looking for a loan platform, you can search on Baidu first, and then compare the results displayed on Baidu to know the truth.

Method 2: Contract Query

What should I do if I find that there is no information about my query after searching on Baidu, or the authenticity cannot be determined? Don’t rush, take a look at the electronic contract signed when you borrowed money.

It should be noted that credit reporting is personal privacy. Without your own signature and authorization, other people or third-party agencies do not have the authority to query your credit reporting.

When applying for an online loan, an authorization letter or regulations for credit inquiry will appear. If you want your application to be successful, you must agree to this authorization, which means that this institution can inquire about you later. The credit check was done. If you agree to this option, you will by default agree to the agency's inquiry about your credit report.

Method 3: Check the lending institutions

Basically all banks and financial institutions in the market ask for credit reports. Banks will definitely ask for credit reports. Everyone knows this. In addition, consumers Financial institutions are lending institutions approved by the China Banking Regulatory Commission, so they must report credit reports in accordance with regulations.

While some institutions themselves are not connected to the credit reporting system, they can also achieve access to the credit reporting system by cooperating with companies that have accessed the credit reporting system through the "joint loan model".

If there is no option to check credit information on the electronic contract, you can search on Baidu for the main company that signed the loan agreement with you to make a judgment. The principle of judgment is to see whether the actual lender in the loan agreement has Qualifications for accessing credit reporting.

Are there any loan platforms that do not require a credit report?

The loan platforms that do not require a credit report include:

1. Borrow.

Jiebei is a personal credit loan product under Alipay, which requires users to have a sesame score of more than 600 points. According to actual feedback from most users, if a user’s sesame score is above 650, the credit limit is likely to exceed 10,000. However, the actual credit limit still depends on the user’s personal qualifications.

2. Petty bourgeoisie wallet.

The petty bourgeoisie wallet is a financial management platform for mobile Internet terminals. Through the APP, the petty bourgeoisie wallet provides the public with more people-friendly, safe and convenient financial management services with strong security.

The petty bourgeoisie wallet platform only handles mortgage claims, not credit claims, and has a low threshold. The petty bourgeoisie wallet uses fast payment, third-party custody, and adopts same-day investment and financial management, with interest calculation starting the next day, to improve the efficiency of making money for users. .

What are the loan platforms that do not check the credit report?

When using money on a daily basis, many friends will choose to borrow money from the platform for turnover. For friends with poor credit reports, It is difficult to apply, and you may even be rejected for a loan. So what are the opportunities that don’t require a credit check? You deserve these online loans that don’t depend on your credit report!

1. Jiawu Installment

Jiawu Installment is an installment mall-type loan program under Dewu. There is no credit check when applying. The maximum loan amount for this program is The amount is 50,000 yuan, and the general deposit amount is about 3,000 yuan. The period of use is 3-12 periods. When applying, the applicant needs to be between 22 and 55 years old (non-students). The deposit can be made immediately after passing the review.

2. Pocket Flower

Pocket Flower is a platform that does not require credit reference. The general loan limit is around 3,000-5,000 yuan, with a maximum limit of 50,000 yuan, and a term of 3-12 Monthly, it only takes 5 minutes at the fastest.

3. Jinying Installment

Jinying Installment was the king of loan loans in the past. There is no credit check when applying, and it can almost be done without review. Officially given The maximum amount is 200,000 yuan, and the actual loan amount is about 20,000 yuan. However, the better the qualifications of the applicant, the higher the loan amount will be. The period of use is 1-12 months

4. Changxinghua

Changxinghua also does not require a credit check, and it is also an opportunity to make a loan if the credit report is not good. Currently, the loan The limit is within 50,000 yuan, and the period of use is 3-12 months. It is a relatively low threshold. Generally, the loan limit is between 3,000-20,000 yuan, and licensed financial institutions provide loans.

5. Yongbei

Yongbei is also a product that can be disbursed in seconds without checking the credit report. It is one of the few officially licensed loan products. The loan amount is generally within 30,000 yuan, and the loan term is 3-12 months. Generally, the loan can be received on the same day after approval. Currently, Yongbai has a relatively low threshold for credit and debt, and it is also easier to make a payment.

Which loans do not require a credit check?

There are many loans that do not require a credit reference, as follows:

1. Loans that do not require a credit reference include loan, Paipaidai, credit wallet, Qinqin Small Loan, Dafeiyun Loan, Wo Lai Loan, Mobile Phone Loan, You Wo Loan, Fingertip Loan, Cao Cao Loan, Malt Loan, Flash Silver, Magic Lamp Small Loan, Jiufu Jingdang Loan, Magic Cash, Flowers for You_Silk Loan, You and Me Finance, Xintong Loan, spend 100 million yuan first, lack of money, Jianghu emergency, high money, money station, turn right, copper loan, quick loan, Didi Haodao, Dingji loan, Wanda loan, Meidai, Le Baodai, Want to Borrow Money, Kuaidai, Kuaidai Bear, Sweet Orange Small Loan, Blue Collar Loan, Xiaoniu Loan, Cash Bus, Pratt & Whitney Express, Atomic Loan, Meme Loan, Renren Loan, Xinshan Loan Hi Miao Wallet , flash loan, Dudu Miaodai, Xiaohua Wallet, Xiaomi Finance, Qudaiba, Kungfu Loan, 58 Financial Consumer Loan, Zendai Wealth, etc. The following is a detailed introduction to some loans.

(1)I am here to borrow money. This is a mobile loan app designed for young people. There is no need to check credit. It is China’s fastest growing small-amount mobile loan product for college students and white-collar workers.

(2) Yidai Wallet is an interesting start. You can pay without checking a credit check. The loan amount is less than 3,000 yuan, and the useful 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 checks.

(3) Regarding cloth wallets, if you don’t check your credit score for a loan, I suggest you try cloth wallets. As long as more than 500 sesame points can be provided, the passing rate will be greatly improved.

(4) Internet financial service platforms provide short-term services to users. Generally speaking, I don't look at credit checks.

Hazards of loans

1. If penalty interest is incurred, 50% interest will be charged

2. Unable to enjoy loan discounts or even apply for a loan

p>

3. A bad credit record will affect future loans and credit card applications

4. Reducing the blacklist may even affect children. For example, the child cannot go to a key school

5. The bank wrote a lawyer's letter to Sue: If you have not paid for more than 3 months, it will be very serious! The lending bank will collect the due loan in accordance with the law and file a lawsuit in accordance with the loan contract and guarantee contract. Property preservation and other measures will be taken, including freezing deposits in all bank accounts of lenders and loan guarantors, and seizing collateral and pledges.