What are the requirements for online lending in 2022?
1. Kouzi Cat Kouzi Cat is one of the necessary loans for online lending in 2022, and it is also a new online lending app that has just been launched recently. Friendly to new users, don't look at credit information and big data before borrowing. Water has been released these days, ignoring the fact that black and white families have loans. The maximum loan amount that can be provided to users is 50,000 yuan, the first loan is basically around 5,000 yuan, and the service life is 3-6,500 yuan. 2. Extreme wind staging The extreme wind staging is to open direct loans in 2022, without checking credit information. Although it is an old-fashioned online loan account, the recent loan interest rate has been relatively high. When you apply, you don't check the credit and don't check the liabilities. This is also one of the online loans passed in 2022 without checking the credit. The maximum loan amount that can be provided to users is 6,543,800 yuan, and the service life is 654.38+ 0-654.38+. 3. Gome Easy Card Gome Easy Card is a compulsory online loan slot 2022, which I believe everyone is familiar with. It has been online for a long time, but the loan ratio is still relatively high. When applying, it is to check the credit information, but the requirements for credit information are not strict. Recently, many debt-ridden partners have successfully borrowed money, which is the so-called online loan slot for applying for compulsory payment. The maximum loan amount that can be provided to users is 200,000 yuan, which is the first loan. 4. Small Fish Exemption from Examination Small Fish Exemption from Examination is an online loan platform that can still be loaned in 2022. This online loan product, Pocket Flower and koi fish are all a series. When they apply, they don't look at the credit information, and the requirements for users' big data and comprehensive scores are relatively low. It can be said that all applications must be made. The maximum loan amount available to users is 50,000 yuan, and the next loan amount is generally around 5,000 yuan. The service period is 3-6500 yuan. 5. Extremely financial loans and extremely financial loans are the opening of online loans that must be repaid in 2022. This opening is a sub-product of your loan, which can be repaid at the same time as your loan. It is relatively easy to repay the loan in the near future, and you don't have to look at the credit report when applying. It was also called the first opening in 2022, regardless of the black and white credit application. The maximum loan amount available to users is 30,000 yuan, and the actual payment is basically around 3,000-5,000 yuan. The service life is 1- 12 months. If the amount of users with provident fund is high, the system manual audit method will be adopted, and the payment can be made in 2 minutes at the earliest after passing.
2. What are the openings for the second batch of sesame sub-loans?
Sesame credit score is a comprehensive score that Ant Financial objectively presents personal credit status according to five dimensions such as user credit records. If Sesame's credit score is high, the amount and pass rate of applied bank credit cards are high, which is also conducive to applying for loans, such as borrowing treasures and recruiting good loans. As long as the borrower's sesame credit score reaches more than 600 points, the chances of success are great.
At present, one of the opening conditions of Alipay's ant flower garden and ant borrowing garden is that the sesame credit score is above 600, but it does not mean that users can apply for loan business only by sesame score. Whether the loan can be successful depends on the comprehensive situation of the borrower.
Methods of improving sesame score
1, update personal data
Since the launch of Alipay, many borrowers have not maintained their personal data. If you have a credit card, a car and a house behind you, you can start looking for personal information in Sesame Credit Management, and there is a certain chance to improve your score after updating.
Step 2 bind a credit card
Alipay's monthly repayment can also let Alipay know your spending power. The higher the repayment amount, the better the sesame score.
3. Life service is essential.
Now the whole people are playing with ant farms and raising chickens to collect energy. In addition, water, electricity and coal payment, rental information, hotel ticket reservation, love donation, etc. can all be properly involved.
Third, what are the holes in the second batch of online loans?
It is recommended to apply for loans through bank channels. China Merchants Bank has a lightning loan business. At present, it can only apply through mobile banking, or check whether it meets the application conditions.
If you have a savings card of China Merchants Bank, you can log in to mobile banking and enter the application page in "My → All → My Loan → My Lightning Loan".
The maximum loan amount is 300,000 yuan and the minimum loan amount is 1 1,000 yuan; Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful. After submitting the application, if you need to verify it by phone, you will receive the text message "Dear Sir and Madam, hello! We need to verify the application information of "lightning loan" with you, and we will contact you later through 0755888 15555. Please keep the phone open. "
If the SMS is not received, the loan will be released in 5- 10 minutes.
Tips: The audit phone will contact you within 24 hours after your application.