First of all, answer directly.

You can't.

Second, the specific analysis

Some online loans can't be applied without a bank card, and some online loans that don't need a bank card are also available.

After receiving the borrower's loan application, the online lending platform will investigate the borrower's qualifications and review whether the borrower meets the corresponding loan conditions. Most online lending platforms need to review the borrower's credit history, income level, economic ability and unit occupation.

You can clearly understand the problems of your big data on: Bejian Quick Check. It is an efficient, accurate and complete big data system, which cooperates with more than 2,000 online lending platforms to provide accurate and comprehensive data.

3. What are the requirements for online lending?

The basic requirements of online lending include: the applicant 18-55 years old, and his occupation cannot be a college student; The applicant has a certain ability to repay the principal and interest; The applicant has a good credit record and no bad credit record; The applicant completes the real-name authentication with the second-generation valid ID card, real-name mobile phone number and bank card.

After meeting the above basic conditions, users can basically apply for most online loans, but some online loans have special application requirements, such as having to complete credit card authentication and requiring users to have a credit card to apply.

If you want to apply for a large loan, the borrower also needs to show the income certificate of the unit, the borrower's tax bill and insurance policy. List of pledge rights and collateral required by the borrower to obtain the pledge and mortgage amount, as well as ownership certificate, and written documents of the owner and property co-owner agreeing to pledge and mortgage.

Can I borrow money by credit card or empty card? How come?

With the rapid increase in the number of people applying for credit cards, more and more people want to know about credit card loans. How to borrow an empty credit card? This is a problem that many people care about, but they are not sure. Here is a detailed introduction for everyone.

Is it okay to use a credit card for empty loans?

Empty credit cards can be used for loans. For example, an empty credit card installment loan refers to applying for an installment loan for shopping when the credit card limit is running out. You can choose the installment repayment method of 6 months or 12 months, and the bank interest is free, and neither of them occupies the original credit card consumption limit. (The cardholder has no record of overdue repayment in the last 3 months).

How to borrow an empty credit card loan?

Empty credit card loans are handled in the same way as regular credit card loans. You can apply directly online or at the counter.

Can I get a loan without a bank card?

There should be no way to borrow money without a bank card, because generally going to the bank to borrow money will put the money into 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 lending platforms. Some online lending platforms can transfer the loan amount to Alipay and other accounts, so there must be Alipay, Tenpay and other accounts without bank cards. At the same time, some companies may be able to provide cash loans.

The simple and popular understanding of loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Principle:

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.