What kind of loan can I apply for if I have a credit card? You can apply for these five loan APPs

For some borrowers who are in urgent need of funds but don’t know which loan product to choose, banks are always the first choice. For bank loans, the application threshold is relatively high for most borrowers, unless they are credit card users. What kind of loan can I apply for if I have a credit card? You can apply for these five loan apps!

What kind of loan can I apply for if I have a credit card?

1. Netjet Loan

Netjet Loan is a low-interest credit loan issued by the Agricultural Bank of China to high-quality customers. You can apply for it online and the system will automatically approve the loan. The maximum loan limit is 200,000. Customers with an installment period of more than 12 installments can enjoy the lowest loan interest rate. However, the regulations in each region are slightly different, and borrowers need to carefully review the loan agreement before applying.

2. BOC e-Loan

The maximum loan limit of BOC e-Loan can reach about 300,000 yuan. However, each applicant’s borrowing amount is subject to the bank’s comprehensive assessment. Bank of China will conduct a comprehensive assessment based on the applicant's credit, income, employment, and whether there is fixed property. If the applicant passes the assessment, the credit line will be obtained. In addition, the Bank of China e-Loan quota is valid for 12 months.

3. Borrow for your use

The borrowing limit for the Borrow for your use APP is between RMB 2 million and RMB 200,000, with the lowest daily interest rate. You can borrow money with your Sesame Credit score. The borrower’s Sesame Credit score is RMB 500. The minimum loan amount can be RMB 10,000.

4. Rong e-borrowing

Rong e-borrowing is a borrowing platform provided by the Industrial and Commercial Bank of China to borrowers who meet certain conditions. It is purely online consumption and does not require the borrower to provide any collateral. or guarantee. Rong e Borrowing calculates interest on a daily basis and can be repaid at any time. The maximum loan amount that can be provided to users is 200,000 yuan.

5. Anxinhua

Users apply for a loan at Anxinhua, with a maximum loan limit of 50,000 yuan and a loan period of up to 3 months. Anxinhua's personal qualification requirements for users are not very high. The lowest daily interest rate is . To apply for an Xinhua loan, users need to be at least 22 years old.

The above is the sharing of relevant content about "What loans can I apply for if I have a credit card?" I hope it can help everyone!

Which banks can lend money with credit cards? Take a look at these credit cards

In addition to overdraft consumption, credit cards can also be used for loans. However, it does not mean using a credit card as a voucher to apply for a loan from a bank. Instead, many banks provide hidden credit card benefits to high-quality cardholders. After a comprehensive evaluation of the cardholder, an additional cash installment limit will be granted. You can apply to borrow money within the period, let’s take a look below.

Which banks can lend money with credit cards?

1. Agricultural Bank of China

Agricultural Bank of China has a credit card consumption reserve fund, which means that the cardholder applies for an installment limit from Agricultural Bank of China, and after successful approval by Agricultural Bank of China, the consumption funds will be transferred to the designated credit card. For cardholders to repay the principal in installments and pay a certain amount of installment fees, the minimum single application amount is 500 yuan, and the maximum amount is 300,000 yuan.

If you want to use an Agricultural Bank of China credit card to apply for consumption reserves, the cardholder must be the main cardholder of the personal credit card, and the account status is normal, the credit status is good, and there are no unpaid overdrafts in local and foreign currencies. .

2. Industrial Bank

Industrial Bank has an Xingxiangdai business, which can also be regarded as a credit card loan. It is a fixed limit on credit cards provided by Industrial Bank to high-quality credit card holders. For other one-time cash consumption limits, the minimum transaction amount starts from 1,000 yuan, and the maximum limit is said to be 300,000 yuan. Credit is mainly granted based on a comprehensive assessment of the cardholder's credit conditions.

Except that the limit of Xingxiangdai is different from that of a credit card, its business model and standard pricing are completely consistent with the cash installment business of Industrial Credit Card.

3. China Merchants Bank

e Zhaodai is a relatively good credit card loan from China Merchants Bank. It is also a cash installment loan and is granted credit by the bank after a comprehensive evaluation of high-quality cardholders. , you can apply to borrow money multiple times within the credit limit, transfer the money to a debit card in your name, and then repay it in installments.

You must seize the time when applying for an e-loan. If there is a discount, the monthly interest rate after discount is around 0.45~0.6, and the loan period can be up to 24 months, which is suitable for working people with long-term capital cycles. Family processing.

Here are the popular loan platforms where credit cards are available

Using credit cards to pay can solve the problems in the daily lives of cardholders. Many young people use credit cards for consumption. If your credit card limit is not enough to meet your consumption needs, you can also apply for a credit card loan with a higher limit. So, what kind of loans can you get with a credit card?

1. Huanbei

Huanbei is a platform that allows you to borrow money with a credit card. The maximum credit limit is 50,000 yuan, and the loan can be repaid in up to 12 installments. However, it should be noted that the limit applied for by Huabei can only be used to repay credit cards, and cannot be used to withdraw cash from bank cards.

2. Hengyidai

Hengyidai is also a platform where you can borrow money with a credit card. The limit can be up to 200,000 yuan, and the loan can be repaid in 12 installments. The loan is issued very quickly. Kuai is relatively well-known among all online credit card loan platforms. There are many people applying and the card acceptance rate is pretty good.

3. Baoyin Consumer Finance

Baoyin Consumer Finance also offers credit card repayment products, so it is also a platform where you can borrow money with credit cards. The maximum limit is 50,000 yuan, and the maximum limit is 50,000 yuan. It can be divided into 12 installments. Like all credit card repayment platforms, the applied limit can only be used to repay credit cards and cannot be used to withdraw cash.

4. China Merchants Bank E-loan

Quality credit card customers of China Merchants Bank can be invited to open e-loan, which can be regarded as an exclusive cash installment product for credit cards, with an exclusive loan of up to 300,000 After the application is successful, the money will be transferred to the debit card, and you can repay it every month, which can be divided into up to 24 months. However, after using it, you will be locked up in a small dark room, and you will no longer be able to apply for cash installments, and you will not be able to increase your credit card limit.

The above are all loans that can be borrowed by credit cards. Card friends can apply for them.