There will be no consequences for a loan without a credit report

What kind of loan does not depend on a credit report?

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 quick 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. .

What kind of loans are not subject to credit reporting?

Loans that are not subject to credit reporting:

1. Student loans: famous school loans, Jiurong Finance, Xintong Dai , Aixuedai

2. Credit card loans: Yirendai, Kungfu loan, flash loan, Xiaohua wallet, building block box

3. Installment loans: Chengcheng Baitiao, Lv Mama Baitiao, Miao Baitiao, Qujiebaba, Jindong Baitiao, 99 installments

4. Ordinary loans: Paipaidai, salary loan, Cash Bus, Qingqin Small Loan, CMA CGM, Wo Lai Loan, You Wodai, Zhijian Loan, Caocao Loan, Malt Loan, Magic Lamp Small Loan, Jiufu Dingdang Loan, Momo Loan, Magic Cash, Give You Flowers, _Silk Loan, 51 Character Loan, Rong360 Moonlight Foot, Xianhua 100 million yuan, Zhongtengxin, Qianqian Mo, Kuaidai, Jianghu Emergency, Hi Money, Money Station, Turn Right, Copper Coin Loan, Borrow Money Quickly, Didi Haodao, Dingjidai, Wanda Loan, Lebaobao , want to borrow money, Kuaijin, Quicken Loan, Orange Small Loan, Blue Collar Loan, Mavericks Loan, Puhui Express, Atomic Loan, mo9, Qianmi Wallet, Dida Loan, Suishou Borrow, Cash White Card, Huawuque .

Loans from Shangxinshi:

Shanyin, Yongqianbao (the lender is Shangxinshi of Rural Credit Cooperatives), mobile phone loan (the lender is Shangxinshi of Rural Credit Cooperatives) Credit Reference), Credit Wallet (the lender is Huarong Consumer Finance’s Shanxi Credit Reference), Weilidai (Shenzhen Qianhai WeBank), Jiebei (Online Merchant Loan), Gold Bar (JD Finance), Home Credit, Bank of China Consumer Finance, Beijing Bank Consumer Finance, Immediate Consumer Finance, Baiqian Finance (Harbin Bank), Shengbei (Baoshang Bank), Lakala, Kakadai, 2345 Loan King, Zendai, Zhongan Credit Industry, Pudding Small Loan, Doudouqian . Loan, repay, save, Feidai, Jingdong gold bars.

Just because the credit report is not up does not mean that you don’t have to repay the loan: Maybe you will fall into a misunderstanding and think that if you don’t have the credit report, you don’t need to repay the loan. This idea is wrong. Even if you don't get your credit report, people will still press you for repayment. Others also have various collection methods, such as making friends with friends, visiting people for collection, issuing lawyer's letters, outsourcing collection, etc.

Reminder, although the threshold for a loan without credit is low, you should pay attention to whether the interest rate of the loan is affordable. It is best not to borrow. Everyone still needs to be cautious.

What loan products are not subject to credit reporting?

If you hold a CMB all-in-one card, CMB has launched a flash loan business. You can log in to the CMB Mobile Banking APP and click "My → All → Borrow" to try to apply or check whether you are eligible to apply (whether you can obtain a quota and whether the loan is successful are subject to the system evaluation results).

Basic conditions for flash loan application:

1. Hold a CMB all-in-one card;

2. The borrower is generally between 23 and 60 years old. The loan period is generally no more than 60 years old;

3. Have the ability to repay the loan on time, no illegal behavior, and good credit.

Warm reminder:

1. After the flash loan is issued, cash will be released to the designated account. The funds can only be used for normal bulk consumption and transfers, and are not allowed to be invested or flowed into the stock market, real estate, etc. .

2. Different types of flash loans have different limit regulations. Generally, the maximum credit limit does not exceed 200,000, which is ultimately displayed on the loan page; the minimum amount of a single withdrawal is 1,000, and the maximum does not exceed the limit amount. , and must be an integral multiple of 1,000.

3. There are two types of applications for borrowing money within the flash loan limit:

(1) 15-minute loan: automatically approved within 5-10 minutes, and immediately released after approval, and SMS Notice

(2) Loan on T1: There will be a phone call to verify on T1, and the loan will be arranged after confirming the information. If you contact the applicant three times without receiving an answer, your application will be unsuccessful and you will need to apply again.

4. When a flash loan is used to build a credit limit, there will be an inquiry record on the credit report. If you have successfully established a balance but have not withdrawn money: there will be no record of the limit in the credit report; for every subsequent withdrawal, there will be a record of the loan in the credit report.