What information do you need for general online loans?

1, photos of the front and back of the borrower's ID card.

2. The borrower's bank card account number is used as repayment card and arrival card (some online lending platforms only support some banks' cards as repayment cards).

3. The borrower's mobile phone number needs real-name authentication and has been used for more than 6 months.

4. Authorized by the borrower's address book, the number of at least two emergency contacts (relatives are preferred).

5. The borrower's personal income proves that the monthly income is at least 2000 yuan.

6. The borrower's work unit, work address, residential address and home address, etc.

7. facial recognition certification is required.

8. Personal credit report of the borrower (some online lending platforms only need the borrower to provide sesame points). Different loan platforms use different credit scoring systems, and formal online loans generally need PBOC credit reports.

After the above information is prepared, the borrower can enter the loan platform and click "View Quota". Then fill in the personal information according to the pop-up prompts, and then submit the loan application. The platform will review the personal data submitted by the borrower. After the approval, the borrower can know his loan amount and loan interest rate.

If you are not clear about your debt and online loan data, you can get an online loan big data report from Xiaomu data and small programs, which contains detailed online loan application records, overdue details, blacklists and other data.

Extended data:

What are the precautions for applying for online loans?

1, I must have applied.

At present, the mechanism review of online lending platform is relatively rigorous, and only the borrower himself can apply for a loan before it can pass the examination and approval. In addition to ID card authentication and face authentication, real-name authentication also includes bank card authentication. Bank card authentication means that the bank reserves the mobile phone number to receive the SMS verification code, and the user submits the verification code to the online lending institution for verification, so that it can pass the audit.

2. There is no need to pay any fees.

Formal online lending platforms do not require borrowers to pay fees other than interest.

There are many online lending platforms in the market. In addition to charging the borrower the loan interest fee, they will also find various reasons to charge the borrower the handling fee and platform service fee. This kind of charge is illegal, and borrowers should be vigilant.

3. Reasonable selection of loan amount and term.

It is convenient for online lending platforms to apply for loans, and many borrowers will have impulsive consumption.

Therefore, before applying for a loan, borrowers must consider their financial repayment ability to avoid excessive repayment amount and pressure. In case of personal financial difficulties, the borrower should take the initiative to negotiate with the platform and apply for extending the repayment period, that is, extending the repayment period or changing the repayment method.