Need tens of thousands of dollars for emergency? These 6 tips help you apply!

In recent years, microfinance has become more and more popular, and it is accepted and loved by more consumers because of its low application threshold, fast lending speed and convenient use. In particular, the working class has made detailed plans for the usual allocation of funds, such as car loans and mortgage loans. Once the cash flow fails, many small partners need small consumer loans to help them get out of trouble, such as education, home appliances, decoration and so on. A small loan of tens of thousands of dollars can still alleviate a lot of payment pressure.

However, the low threshold of microfinance does not mean that there is no threshold. When applying for a small loan, many small partners think that they can pay by filling in a piece of information casually, but the result is rejected by the bank. In fact, microfinance really doesn't need to cover everything and provide too much information. However, you must have the necessary information. Today, I will teach you six skills of fast payment, so that everyone can pay quickly.

1, get ready.

Before borrowing money, the applicant should carefully understand the loan requirements and prepare corresponding materials as required to avoid any losses. Instead of doing any homework, it is better to apply directly. If you are lucky, fill in the information at will, otherwise the chance of passing will be very small.

2. Fill in the commonly used mobile phone number.

When you get a loan, you must fill in your commonly used mobile phone number. The longer you use it, the better. Users who frequently change their mobile phone numbers may make it impossible for the platform to contact borrowers and will be considered as unreliable users. In addition, almost all credit products now need mobile phone numbers to register, so when borrowing money, we must first ensure that the mobile phone numbers we use are authenticated by our real names.

3. loan APP permissions.

Many loan apps will open many permissions of the mobile phone by default, and some permissions that do not affect the use of the app will be closed as much as possible, especially the address book and SMS. Although some loan apps do not have a clear reminder, they will use the obtained address book and SMS as the basis for reviewing loans. If there are sensitive information of loan platforms such as bank dunning and loan intermediary, the success rate of borrowing will be greatly reduced.

4, unit information reporting skills.

The unit information provided when handling the loan must be true, and the position and income should match. The telephone provided by the company must be able to be connected, so you can greet the connected person in advance, so as to avoid that the company personnel may not know themselves at all during the telephone audit. Income can be properly filled in, which is conducive to increasing the loan amount, but it should not be too outrageous. The unit is the best "package". Generally speaking, it will be easier for employees of institutions, state-owned enterprises and well-known enterprises to apply for loans, and the amount will be higher.

5. Provide complete certification materials.

For the loan platform, the risk of lending tens of thousands of dollars to a stranger still exists, so it is very important to provide financial proof, such as property certificate, vehicle production certificate, income certificate, bank running water and so on. , or Taobao, JD.COM and other accounts with higher scores. Some products can authorize these accounts to assist in the audit and obtain a higher loan amount. In particular, Alipay's sesame credit score, many loan products can also get a higher credit line of sesame score.

6, personal credit is good, applied for a credit card.

If conditions permit, you can apply for at least one credit card, and many credit products can be loaned by credit card. In some cases, the more credit card bindings, the higher the limit. Because the credit card can be obtained, it shows that the personal qualification and the credit information of the central bank have been recognized by the bank, and the lending institution will not review it too much, but refer to the credit card limit and details to evaluate the borrower's credit limit.