Loan software that does not require a bank card

Loan software that does not require a bank card include Jinjinmi, 51Jian Loan, iDai Cash Loan, Maolidai, etc. Although these loan software No bank card is required, but they have their own review and lending methods, which are explained in detail below.

Nowadays, Mi only provides lending services. If users want to apply for a loan, they need to pass the facial recognition review to easily obtain a high amount. The review speed is very fast, so it is a product of 360, so it is safe and guaranteed. .

51Jian Borrowing aims to integrate loan products across the entire network. 51Jian's loan business covers loan services such as quick loans, college student loans, large loans, credit card repayments, etc., with wide coverage.

iDai Cash Loan provides 3 loan modes. As long as you submit relevant information as required and pass the credit assessment, you will know your loan amount. The loan review is very fast and very convenient.

Maolidai does not require the borrower to provide any collateral. You can apply directly and it will be automatically approved online. It is convenient and fast. The quota can be used repeatedly and you can borrow and repay at any time. It provides a quota of 800-1500 Quick loans.

For loan software like this that does not require a bank card, the application threshold will be very low, but I would like to remind everyone to carefully check the loan rules and interest calculations to avoid being deceived.

What loan platform does not require a bank card?

In my country, there are mainly two teams for loans: one is the national team and the other is the private team.

Under normal circumstances, national team loans require bank cards, which are very formal institutions; with the ever-expanding private teams, there are various loan institutions that provide bank cards for those who need bank cards. Requirements, there are no hard and fast rules. Private teams are mainly divided into two categories:

1. Super large online platforms, such as Alipay, JD Baitiao, WeChat Pay, etc., do not require your bank card at all. They need you to use their APP to confirm you situation. Even if it is a loan, it is placed in the corresponding APP. To put it bluntly, it is a high-tech method.

2. Be especially careful with small and medium-sized online lending institutions, traditional small and medium-sized lending institutions, and these gray lending institutions, because they dare to lend you money without your bank card. The interest rates for this type of loan are generally very high, but you have to be careful that the loan interest rate cannot exceed 36. If it exceeds 36, it is considered illegal, and most of them need to be highly vigilant.

Legal Basis

Article 680 of the "People's Republic of China and Civil Code" prohibits usury lending and the determination of loan interest. Usury lending is prohibited, and the interest rate of loans must not violate Relevant national regulations. If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest. If the loan contract does not clearly stipulate interest payment, and the parties are unable to reach a supplementary agreement, the interest will be determined based on factors such as local or party transaction methods, transaction habits, market interest rates, etc. Borrowing between natural persons will be deemed to have no interest.

Where can I borrow 200 yuan in installments without binding a bank card?

The following loan software does not require binding a bank card. 1. This kind of loan software is suitable for students, office workers and self-employed people. You can easily apply for a loan without a credit card. The amount usually ranges from 500 to 5,000 yuan, and you need to authorize Sesame Credit. 2. Suixin Loan Suixin Loan is a product jointly launched by Shanghai 2345 Hilong Financial and Bank of China Consumer Finance that does not require a credit card. You can get a loan with your ID card, with a maximum limit of 5,000 yuan. Just download the Suixindai APP to apply for a loan, cash will arrive in your account in 2 minutes, and the loan will be directly transferred to the bound bank card. 3. Lightning Micro Loan Lightning Micro Loan has a low threshold. You only need to fill in personal information, and you can receive the loan within a few hours. The general loan amount ranges from 1,000 to 50,000 yuan, with low monthly interest and flexible terms. It can be said that 30 minutes for evaluation and 2 hours for loan. 4. Liema Baitiao Liema Baitiao is a small-amount quick loan software. With your ID card, you can get a loan without using a credit card, and the loan can be disbursed within one hour. You can quickly apply for a loan by downloading the Liema Baitiao APP, and the review time is short. 5. Borrow Money Flower Borrow Money Flower provides short-term, small-amount loan services to borrowers.

The borrower submits a loan application through the Borrowing Money APP, and the system will conduct real-time credit verification. If the verification is passed, the loan can be quickly released. Provide loan amount of 1-3 months, 2000-5288 yuan.

Is there any way to get a loan without a bank card?

If the loan product can only be used for consumption and cannot be withdrawn, then users can apply for this type of loan without binding a bank card. The loan product is a cash loan, so you must bind a bank card before you can apply. For example, Huabei can only be used for consumption but not cash withdrawals. If the user’s Alipay is not bound to a bank card, he or she can also try to apply for Huabei.

Of course, Alipay real-name authentication requires users to bind their bank cards, but after completing the verification, users can unbind their bank cards, so that users can also apply for Huabei.

What software allows you to borrow money without a bank card

Software that allows you to borrow money without a bank card: 1. Money to Spend App; 2. Cash Meter; 3.51 Tube Borrowing; 4.i Cash loan; 5. Introduction to Weilidai Youqianhua mobile version Youqianhua loan app is a mobile online loan application. If you need money urgently, you can find Youqianhua app. You only need your ID card and bank card to apply. Currently, online college students are not allowed. Apply for an installment loan, and you can apply for an official-free repayment function for monthly repayments so that you don’t have to keep track of the repayment date, while Youqianhua Zunxiang Loan is a large-amount loan of up to 300,000, with a maximum of 36 installments.; the second software It is not recommended to use it. Regular loan platforms usually do not charge pre-loan fees for any reason. You must be vigilant if you encounter it. You can choose to call the police if necessary. If you are in urgent need of money, you can consider taking out a loan to relieve stress. At the same time, you should also work within your ability and work hard to make money. There are many ways to apply for a loan now. You can apply for a bank loan through mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

It is recommended that you use Youqianhua. Youqianhua is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, renamed "Youqianhua" in June 2018). The big brand relies on Spectrum rates are low and trustworthy. Youqianhua launches a consumer credit product for individuals, Manyidai, with a maximum loan amount of 200,000 (click on the official amount) and a daily interest rate as low as 0.02. It has the characteristics of easy application, low interest rates, fast disbursement, flexible borrowing and repayment, and transparent interest rates. , strong safety and other characteristics. Let me share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.

Can I get a loan without a bank card?

It should be impossible to borrow money without a bank card, because generally when you go to a bank to borrow money, the money will be transferred to the bank card account. If you don’t have a bank card, the bank can’t give you the borrowed money. If you really want to borrow money, you can find some online loan platforms. Some online loan platforms can transfer the loan amount to accounts such as Alipay, so even if you do not have a bank card, you must have an account such as Alipay or Tenpay. There are also companies that may be able to offer cash loans.

The simple and popular understanding of a loan is to borrow money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Principles:

The "Three Principles" refer to safety, liquidity and efficiency, which are the fundamental principles for commercial bank loan operations.

Article 4 of the "Commercial Bank Law of the People's Republic of China" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined period or to liquidate them quickly without loss, satisfying customers The need to withdraw deposits at any time;

3. Efficiency is the basis for the bank's continued operations.

For example, if a long-term loan has a higher interest rate than a short-term loan, the efficiency will be good. However, if the loan period is longer, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony among the "three natures" so that there will be no problems with loans.