Does consumer loan require a credit card? Consumer loans mainly refer to loans used for personal consumption. You can apply for consumer loans if you have no money, such as buying a car, traveling, decoration, etc. Most consumer loans are earmarked for special purposes, but this does not mean that you must use a credit card to lend money. It depends on what type of consumer loan you are applying for. There are usually two types of consumer loans, one is in the form of credit card installments, and the other is in the form of direct loans. The former will be issued a special credit card, directly lend money to the credit card, and then go to designated merchants to spend. The latter does not need to use a credit card as a carrier, and the borrower only needs to provide a bank card in his or her own name. Regardless of whether the consumer loan requires a credit card, after the borrower successfully applies for the consumer loan, as long as the loan is received, even if the funds in the card are not used for consumption, the loan needs to be repaid, and the principal must be repaid every month. Principal and interest, of course, in addition to repaying the loan on schedule, the borrower can also pay off the loan in one lump sum in advance. It should be noted that if you borrow a consumer loan from a bank, the bank may also have to verify the purpose of the consumer loan and ask the borrower to upload consumption vouchers within a specified time. If the upload cannot be done or the voucher does not meet the specified consumption purpose, the borrower will have to Faced with a one-time early repayment of consumer loans, and also have to pay liquidated damages. The above is the relevant introduction to "Do you need to use a credit card to get consumer loans?" I hope it will be helpful to everyone.