It is possible to apply for a loan without a credit card. Generally speaking, as long as the user is not a white account with no credit record, he can basically apply for a loan. Moreover, many credit products on the market can be opened even if you have a white account, and it has nothing to do with whether you apply for a credit card or not.

：You can get a loan without a credit card. A credit card is not a necessary condition for a loan. As long as you meet the loan conditions, you can apply for a loan. The basic conditions for applying for a loan are as follows:

1. Be at least 18 years old and must not be over 70 years old;

2. Have the ability to repay the principal and interest of the loan on time;

3. The credit is good, the loans and credit cards in the name of the customer and his spouse are not currently overdue, and the credit record meets the admission requirements of each product.

For loan platforms that use credit bureaus, the applicant’s personal credit is an important reference factor. Many people establish their personal credit records by using credit cards. If you do not have a credit card and have never applied for a loan before, this type of applicant is considered a poor credit scorer. Lending institutions cannot properly assess their credit card status and repayment willingness, and will not easily approve the loan. Of course, although having a credit card may not necessarily lead to a successful loan, at least the credit card can reflect the applicant's usage and credit situation, which can provide certain help to the lending institution's risk assessment. If the credit card is used well and has no bad record, it will be relatively easy to get a loan. However, loan approval not only depends on personal credit, but also the applicant's financial strength and repayment ability are also critical. If you do not have a credit card, but you meet the following two requirements, you can also improve the loan success rate, as follows:

1. Stable working income. Only stable working income can guarantee the repayment ability. Generally, the longest working years are The good thing is that it is more than one year, and the employer is preferably an enterprise, public institution, civil servant, etc. The income may not be very high, but the stability is strong, the benefits are good, and the loan is relatively easy to get.

2. Having assets in your name, such as a house, a car, or purchasing insurance, can be used as proof of financial strength. People with strong financial strength are generally not short of money. In real life, many wealthy people will take out loans because it will be easier for them to get loans with sufficient proof of assets.