Loan platforms that are not listed in the credit report 2022

What are the loan platforms that do not require a credit reference?

Loan platforms that do not require credit reporting include:

1. Borrow.

Jiebei is a personal credit loan product under Alipay, which requires users to have a sesame score of more than 600 points. According to actual feedback from most users, if a user’s sesame score is above 650, the credit limit is likely to exceed 10,000. However, the actual credit limit still depends on the user’s personal qualifications.

2. Petty bourgeoisie wallet.

The petty bourgeoisie wallet is a financial management platform for mobile Internet terminals. Through the APP, the petty bourgeoisie wallet provides the public with more people-friendly, safe and convenient financial management services with strong security.

The petty bourgeoisie wallet platform only handles mortgage claims, not credit claims, and has a low threshold. The petty bourgeoisie wallet uses fast payment, third-party custody, and uses same-day investment and financial management, and interest calculation starts the next day, to improve the efficiency of making money for users. .

Which online loans are not subject to credit reporting?

Among all current online loans, platforms that generally cooperate with banks or involve large loans are subject to credit reporting. The rest Most of the platforms are not on the credit reference list.

Similar platforms include Hiqian, Qianzhan, Kuaijin, Paipaidai, Caocaodai, Qianqianmai, Kuaiqiandai, Atomic Loans, etc., but they are not creditworthy.

Credit reporting is a Chinese vocabulary, the pinyin is zhēngxìn, which means to collect, organize, preserve and process the credit information of natural persons, legal persons and other organizations in accordance with the law, and to provide external credit reports, credit assessments and credit information consultation and other services to help customers judge and control credit risks and conduct credit management activities. From "Zuo Zhuan: The Eighth Year of Duke Zhao", "A gentleman's words are believed and conquered, so the resentment is far beyond his body." Among them, "faith and credit" means that one can verify the truthfulness of one's words, or solicit and verify credit.

Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to external parties in accordance with the law. Professional credit institutions provide a platform for sharing credit information.

In May 2019, a new version of the personal credit report will be officially launched, and the duration and granularity of the credit report information will be further improved.

Credit reporting records an individual’s past credit behavior, which will affect the individual’s future economic activities. These behaviors are reflected in the personal credit report, which is often referred to as the “credit record.” Until 2012, there was no law or regulation in China's current legal system that provided a direct basis for credit reporting business activities. The Legislative Affairs Office of the State Council published the full text of the "Credit Report Management Regulations (Draft for Comments)" in October 2009, soliciting opinions from all walks of life on the credit report management regulations. Credit reporting can institutionally constrain the behavior of enterprises and individuals, and is conducive to the formation of a good social credit environment. Our country has advocated the virtue of honesty and trustworthiness since ancient times, and has promoted the formation of the concept of integrity through criticism in a moral sense. Integrity is a kind of social morality and a basic principle for dealing with others.

Honesty and trustworthiness are indispensable virtues for enterprises and individuals. Shanxi merchants and Huizhou merchants, who have dominated Chinese business for hundreds of years, have been able to rise and dominate. One of the core factors is the establishment of the business philosophy of "integrity-based".

Which online loans do not require a credit reference?

The main types of loan platforms that are easy to pass without checking the credit report are as follows:

1. Anyihua: Users can make installment consumer loans within the limit.

2. Little Elk: Don’t look at the credit report, it will be reviewed and approved in seconds. Quota: 1,000-5,000 yuan.

3. Save Bei: A financial product with ultra-low interest rates and installment repayment, with fast evaluation and review.

4. People’s Livelihood Assistance Loan: Loans can be disbursed on the same day of review.

5. Maizi Loan: An online loan platform that does not depend on credit reporting, it provides you with two products: flash loan and large-amount loan.

6. Star Money Bag: No credit reference is required, the application threshold is low for office workers, and students are approved in seconds.

The above means that it is easy to get a loan without looking at the credit reference recommendation. For those who want to borrow money urgently, please refer to the above platforms. As long as you have a mobile phone, you can apply anytime and anywhere.

Online lending, the foreign name is Internetlending, p2p online lending is the abbreviation of Internet lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry.

The number of online loan platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number as of the end of April 2015 was 3,054.

The essence of Internet finance is still finance, and it has not changed the hidden, contagious, widespread and sudden characteristics of financial risks. Strengthening Internet financial supervision is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging industry. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet financial innovation.

Online loans that do not check credit reports?

Generally, loan products that do not check credit reports are online loans, such as Cash Bus, Jiufu Wanka, Lai Installment, etc. They don't look at credit reports. There are also online loan products that only require a mobile phone number and ID card to apply for. There are also online loans that do not check credit reports:

1. Palm Flower:

Palm Flower is a loan with a very low threshold for application. The amount does not exceed 5,000 yuan and the period of use is Between 7-60 days.

2. Miaonidai:

Miaonidai provides loans within 20,000 yuan, which may not depend on credit and debt, and the term is between 7-48 days.

3. Yijijin:

Yijijin generally does not look at the borrower’s credit report and liabilities. Its loan amount is within 1,000 yuan and the term is 14 days.

4. Zhaoshou Loan:

Zhaoshou Loan generally requires only an ID card and no credit history. The loan limit is within 20,000 yuan and the usage period is within 3 months.

Of course, the interest rates for loan products that do not depend on credit reports will not be low, and there may be a lot of them mixed in. Therefore, everyone must keep their eyes open when applying to avoid the traps they fall into.

In fact, it is better to maintain your credit for a period of time than to specifically look for loan products that do not check your credit report. Once you improve your personal credit, you will naturally have more channels to apply for loans, and you no longer have to worry about being checked for credit.

Among all current online loans, those that generally cooperate with banks or involve large loans are subject to credit reporting, while most of the remaining platforms are not subject to credit reporting. Similar platforms include Hiqian, Qianzhan, Kuaijin, Paipaidai, Caocaodai, Qianqianmao, Borrowing Money Kuai, Atomic Dai, etc., but none of them are creditworthy.

1. Stronger platforms: Yirendai, Kungfu Loan, Lightning Loan, Wo Lai Dai, You Wo Loan, Block Box, Cao Cao Loan, Jiufu Dingdang Loan;

2. Platforms suitable for students: Famous School Loans, Jiurong Finance, Xintong Dai, Aixuedai;

3. Platforms focusing on installments: Chengcheng Baitiao, Lvmama Baitiao, Miao Baitiao, Quduiba , come in installments, 99 installments.

What kind of loans do not require credit reporting?

There are many loans that do not require credit reporting, as follows:

1. Loans that do not require credit reporting include loans , Paipaidai, credit wallet, Qingqin small loan, Dafeiyun loan, Wolaidai, mobile phone loan, you and me loan, fingertip loan, Caocao loan, malt loan, flash silver, magic lamp small loan, Jiufujing Pawn loan, magic cash, flowers for you_Silk loan, you and me finance, Xintong loan, spend 100 million yuan first, lack of money, Jianghu emergency, high money, money station, turn right, copper loan, quick loan, Didi Haodai, Dingjidai, Wandadai, Meidai, Lebaodai, Want to Borrow Money, Kuaidai, Kuaidaixiong, Sweet Orange Small Loan, Blue Collar Loan, Mavericks Loan, Cash Bus, Pratt & Whitney Express, Atomic Loan, Model Yindai, Renrendai, Xinshandai Hi Miao Wallet, Flash Loan, Dudu Miaodai, Xiaohua Wallet, Xiaomi Finance, Qudaiba, Kungfu Loan, 58 Financial Consumer Loan, Zendai Wealth, etc. The following is a detailed introduction to some loans.

(1)I am here to borrow money.

This is a mobile loan app designed for young people. There is no need to check credit. It is China’s fastest growing small-amount mobile loan product for college students and white-collar workers.

(2) Yidai Wallet is an interesting start. You can pay without checking a credit check. The loan amount is less than 3,000 yuan, and the useful life is fixed at 7 days. But you must have a real-name mobile phone number and Alipay. I don’t think much about credit checks.

(3) Regarding cloth wallets, if you don’t check your credit score for a loan, I suggest you try cloth wallets. As long as more than 500 sesame points can be provided, the passing rate will be greatly improved.

(4) Internet financial service platforms provide short-term services to users. Generally speaking, I don't look at credit checks.

Hazards of loans

1. If penalty interest is incurred, 50% interest will be charged

2. Unable to enjoy loan discounts or even apply for a loan

3. A bad credit record will affect future loans and credit card applications

4. Reducing the blacklist may even affect children. For example, the child cannot go to a key school

5. The bank wrote a lawyer's letter to Sue: If you have not paid for more than 3 months, it will be very serious! The lending bank will collect the due loan in accordance with the law and file a lawsuit in accordance with the loan contract and guarantee contract. Property preservation and other measures will be taken, including freezing deposits in all bank accounts of lenders and loan guarantors, and seizing collateral and pledges.

Which platforms can you borrow money from without checking your credit report?

Loan platforms that do not check your credit report include JD Finance, Huanbei, 360 IOU, Alipay, Huabei, Shengbei, and Zhongyuan Consumption Finance, if you have money to spend, enjoy spending it, Suning Consumer Finance and so on.

Some borrowers failed to repay their loans on time due to some reasons, resulting in overdue loans and stains on their credit reports, which greatly increased the difficulty of getting loans; some borrowers were rejected for loans due to limited income. outside the door. In this case, apps with low loan thresholds have become very popular. So which loan platforms do not check credit information? Let me summarize some loan platforms that do not check credit information. This will not only make it easier for everyone to borrow money through mobile phones. Some borrowers failed to repay their loans on time due to some reasons, resulting in overdue loans and stains on their credit reports, which greatly increased the difficulty of getting loans; some borrowers were turned away from the loan market because of their limited income. In this case, apps with low loan thresholds have become very popular. So which loan platforms do not check credit information? Let me summarize some loan platforms that do not check credit information. This not only makes it easier for everyone to get loans through mobile phones, but also improves the security of mobile loans.

1. Jingdong Finance: Jingdong Finance provides users with functions such as browsing and snapping up popular financial products, transferring in and out of small vaults, viewing asset returns, viewing transaction information, etc. It can also help you pay bills, make payments, etc. Various functions, if you like trendy things, then you can try the crowdfunding function.

2. Huanbei: Huanbei provides users with safe and secure borrowing services. Free registration applications are received in a timely manner, easily alleviating emergency fund needs! It only takes two minutes to review, and loans are issued as quickly as possible. It only takes 3 minutes to use, and the loan limit is very high, you can borrow up to 50,000 yuan.

3. 360 IOU: 360 IOU provides users with convenient loan and borrowing services, and also provides users with a free choice of repayment periods and repayment methods, allowing more urgently needed Users who use money can borrow money quickly to solve their current difficulties. The application allows users to bind a variety of cards, and supports binding loans and repayments with current mainstream bank cards.

4. Alipay Huabei: Alipay Huabei provides users with a platform to borrow money easily and quickly. The system will provide you with reasonable loans based on your actual consumption capacity and comprehensive income capacity, solve the user's financial needs, and bring convenience to the user's life.