Online loans that do not check credit reports?

Generally, loan products that do not check credit reports are online loans, such as Cash Bus, Jiufu Wanka, Lai Installment, etc. They don't look at credit reports. There are also online loan products that only require a mobile phone number and ID card to apply for. There are also online loans that do not check credit information:

1. Palm Flower:

Palm Flower is a loan with a very low application threshold. The amount does not exceed 5,000 yuan and the period of use is Between 7-60 days.

2. Miaonidai:

Miaonidai provides loans within 20,000 yuan, which may not depend on credit and debt, and the term is between 7-48 days.

3. Yijijin:

Yijijin generally does not look at the borrower’s credit report and liabilities. Its loan amount is within 1,000 yuan and the term is 14 days.

4. Zhaoshou Loan:

Zhaoshou Loan generally only requires an ID card and does not require credit history. The loan amount is within 20,000 yuan and the usage period is within 3 months.

Of course, the interest rates for loan products that do not depend on credit reports will not be low, and there may be a lot of them mixed in. Therefore, everyone must keep their eyes open when applying to avoid the traps they fall into.

In fact, it is better to maintain your credit for a period of time than to specifically look for loan products that do not check your credit report. Once you improve your personal credit, you will naturally have more channels to apply for loans, and you no longer have to worry about being checked for credit.

Among all current online loans, those that generally cooperate with banks or involve large loans are subject to credit reporting, while most of the remaining platforms are not subject to credit reporting. Similar platforms include Hiqian, Qianzhan, Kuaijin, Paipaidai, Caocaodai, Qianqianmao, Borrowing Money Kuai, Atomic Dai, etc., but none of them are credit-worthy.

1. Strong platforms: Yirendai, Kungfu Loan, Flash Loan, Wo Lai Dai, You Wo Loan, Building Block Box, Cao Cao Loan, Jiufu Dingdang Loan;

2. Platforms suitable for students: Famous School Loans, Jiurong Finance, Xintong Dai, Aixuedai;

3. Platforms focusing on installments: Chengcheng Baitiao, Lvmama Baitiao, Miao Baitiao, Quduiba , come in installments, 99 installments.

How can I borrow 20,000 yuan if my credit report is not good?

If my credit report is not good, online loans will be rejected immediately. Try immediate installment, inclusive payment, etc. These consumer finance companies will even Even if your credit score is not good, there is still a certain chance of passing. If that doesn't work, you can only try private mortgage loans.

Definition of online loans:

Online loans are also becoming a trend. With the advantage of the Internet, you can complete all steps of loan application without leaving home, including understanding various The application conditions for similar loans, preparation of application materials, and submission of loan applications can all be completed efficiently on the Internet.

Introduction to MaMa Consumer Finance:

MaMa Consumer Finance Co., Ltd. (referred to as "MaMa Consumer Finance") is a financial institution approved by the China Banking Regulatory Commission. Ma Ma Consumer Finance officially opened in June 2015 and introduced shareholders such as Chongqing Department Store, Chongqing Bank, Wumart Group, Sunshine Insurance, Zhejiang Commodity City, etc., forming a dynamic and diversified mixed ownership shareholder structure. The registered capital reaches 4 billion yuan.

Introduction to Ping An Puhui:

Ping An Puhui is the general name of the companies affiliated to Ping An Insurance (Group) Co., Ltd. of China that carry out financing guarantees, financing consulting, and other businesses. Assist small and micro business owners, individual industrial and commercial households, and ordinary working-class people to obtain professional loan services to support the development of China's real economy.

The definition of credit reporting:

The pinyin of credit reporting is zhēngxìn, which means collecting, organizing, preserving and processing the credit information of natural persons, legal persons and other organizations in accordance with the law, and providing credit reports to the outside world. , credit assessment, credit information consultation and other services to help customers judge and control credit risks and conduct credit management activities. From "Zuo Zhuan: The Eighth Year of Duke Zhao", "A gentleman's words are believed and conquered, so the resentment is far beyond his body." Among them, "faith and credit" means that one can verify the truthfulness of one's words, or solicit and verify credit.

Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to external parties in accordance with the law. Professional credit institutions provide a platform for sharing credit information.

Can I check the credit score if I get a loan of RMB 20,000 from a rural credit cooperative?

Rural credit cooperatives will check the credit score for loans. Generally speaking, rural credit cooperatives have been connected to the central bank's credit reporting system, and their main business is rural credit. The procedures and technical operations for handling business are the same as those of the national bank. Therefore, when reviewing a loan, the borrower's credit record will be checked. If there are serious bad records, the loan will be rejected.

Things that do not require a credit check

Things that do not require a credit check include: Borrow Money Flower, Buyi Wallet, Yidai Wallet, Kung Fu Loan, Hi Money, etc.

Although these do not depend on credit reports, borrowers need to be over 18 years old, have a valid ID card, and have full civil capacity to apply.

1. YiJieJin APP version 3.0:

YiJieJin generally does not look at the borrower’s credit report and liabilities. Its loan amount is within 1,000 yuan and the term is 14 days.

2. Zhaoshou Loan:

Zhaoshou Loan generally only requires an ID card and does not require credit history. The loan limit is within 20,000 yuan and the usage period is within 3 months.

3. Palm Flower APP version 3.0:

Palm Flower is a loan opportunity with a very low application threshold. The amount does not exceed 5,000 yuan and the usage period is between 7-60 days.

4. Miaonidai APP 3.0 version:

Miaonidai provides loans within 20,000 yuan, which may not depend on credit and debt, and the term is between 7-48 days. .

What are the small online loans that don’t require a credit report?

1. Today's Toutiao reserve fund

There is no credit check when applying for Today's Toutiao reserve fund. The loan amount is between 500-2,000 yuan and can be withdrawn at any time. The maximum loan can be used 7 days, early repayment is supported, and no penalty is required. Toutiao's reserve fund is interest-free for 7 days for the first time. If it is used for 7 days again, you need to pay 1.96 yuan. If the loan is repaid in advance, the interest will be calculated based on the actual borrowing date.

If you want to apply for the reserve fund of Toutiao, you can log in to the Toutiao APP. In the "Wallet", check whether there is an application entrance for "reserve fund". If there is, you can apply. Borrowing applicants need to be over 23 years old and cannot be current students. They need to authorize the payment service (Hezhong Yibao) to obtain Toutiao account information.

2. Alipay reserve fund

Alipay’s reserve fund does not depend on the credit report, but only on the Alipay user’s Zhima credit score and membership level. The maximum borrowing limit is 500 yuan, which can be withdrawn at any time. , the Alipay balance is credited in real time, and returning it on time can help increase Sesame points. The reserve fund will be automatically deducted and returned after 7 days. The first use is free. The subsequent charging standards are subject to the loan page.

Is it because the credit report is bad if the loan of RMB 20,000 is not approved?

The review is comprehensively assessed by the system and will take into account many factors, such as work, income, stability, and personal credit. All aspects of the situation are not determined by unilateral factors. For specific circumstances, it is recommended that you contact the loan agency for further verification.

The reasons why the loan cannot be approved are mainly due to the following reasons: 1. The credit report is bad, if there is a record of loan overdue or credit card overdue, especially the situation where the loan is overdue for many consecutive months or the number of overdue days is very long. . 2. The credit check is slow, for example, there are many records in the name, or the credit check has been frequently checked recently, which is a hard query for loan approval or credit card approval. 3. The debt is so high that the monthly repayment amount is significantly higher than the income. There are also credit card limits that have been maxed out for a long time. Credit cards also belong to the category of debt. The higher the limit usage rate, the higher the debt ratio. 4. The personality is broken, such as frequent arrears in phone bills, water and electricity bills, etc., driving drunk or violating traffic laws, having a bad criminal record, etc.

A good credit report simply means four no’s: “not black”, “not white”, “not too much” and “not messy”. Not black, "black" in credit reporting mainly has two meanings, one is overdue blacklist, and the other is being listed as a "dishonest person subject to enforcement". If the credit record is not white, it means that the credit record is not white. The purpose of the credit record is to trace the credit record of the lender. If the credit record is blank, it will have no reference value for the lending institution. Therefore, it is recommended that friends of Baihu at least try to use a credit card. Not too much means not having too many debts, which is reflected in the credit report, that is, not too many loans, and not too many credit card overdrafts. It’s not messy, it’s just that there are no frequent inquiries in the credit record. Banks or lending institutions will think that if you check your credit information frequently, you must be often short of money and the risk is high. Finally, I would like to remind everyone that a good credit report is a valuable asset in a person's life. Consume rationally, invest rationally, and borrow rationally. Credit is priceless, use it and cherish it.

What are the online loans that don’t meet the credit score? A complete list of online loans that don’t have a credit report

What are the online loans that don’t have a credit report? A complete list of online loans that are not listed in the credit report

Although online lending platforms are convenient, they also have certain risks. If you cannot repay in time, you will face the trouble of collection. In serious cases, your credit report will be listed and you will enter the credit blacklist. The list will bring a lot of inconvenience to our travels and even our lives. After the funds are tight and overdue, although there is a certain ability to repay, many people are troubled by the credit bureau before they can repay the money. So which small loan platforms do not have credit bureaus? Woolen cloth? Let's take a look.

Huabei

Huabei is a loan product launched by Alipay. When you use Huabei to consume, you can enjoy the service of paying after consumption. The Zhima credit points connected to Huabei are not available yet. Get in touch with the central bank’s credit report.

Youwodai

Youwodai has been online for a long time. It has developed from the initial P2P financial management to the central bank’s credit reporting system. However, its collection efforts are also It's relatively complete. If you want to avoid paying back the money, give up this idea.

Flash loans

Flash loans are relatively loose. They will decide whether to submit a credit report based on the borrower's overdue time and amount. That is to say, in the case of serious overdue circumstances, flash loans will be subject to credit reporting.

Cao Cao Dai

Cao Cao Dai mainly serves urban white-collar workers and college students. The interest rate is low, and no mortgage or guarantee is required for loans below 20,000. Currently, Cao Cao Dai is not subject to credit reporting, but it will Upload to the online credit database

Cash Bus

Cash Bus is an online portal. Currently, after Cash Bus is overdue, it will not go to the central bank for credit reporting, but it will be available on the online version. Credit file.

Block Box

Block Box is an unsecured credit loan. Users need to provide credit card, real-name mobile phone number and Zhima score information to apply for a loan on the APP, mainly with Zhima Credit score cooperation, currently does not have access to central bank credit reporting.

Paipaidai

Paipaidai has established its own credit reporting system, so everything from loan application to disbursement is not included in the central bank’s credit reporting system.

Atomic Loan

Atomic Loan is a credit loan product launched by Rong360. It can provide users with a credit limit ranging from 500 to 50,000 yuan. Atomic Loan mainly cooperates with Zhima Credit Score. Currently there is no access to central bank credit reporting.

HaoWallet

HaoWallet is an APP mainly for consumption installments. It can provide users with credit lines ranging from 2,000 to 20,000 yuan, with a minimum monthly interest of 1%. Currently, there is no Access the credit reporting system.