Information > General articles > Raiders Channel > Unsecured loans >  text

Where to apply for unsecured loans?

Time: 2014-08-06         Source: Rong 360 original         Author: Li Zhijie

  Unsecured loansWhere to apply? Do not think this issue is very simple and very small. Sometimes it seems that the problem of this seemingly small white is often difficult to live with a large number of people. Unsecured loans are favored by people from all walks of life because they do not need collateral and can only obtain personal credit. However, many people have heard about the name of unsecured loans, but do not know where to apply for unsecured loans. Today we talk about where to apply for an unsecured loan?

In fact, ah, the most common lending institutions are two kinds, one is a bank, and the other is a small loan company. Let us now talk about these two institutions separately.

The market for unsecured loans is getting hotter and hotter than ever. Banks will not give up this fat. Now more and more banks have started credit business. However, the bank's unsecured loan approval can be described as strictly dead, and only the high-end people can succeed. Specifically, first of all, your personal credit should be good. If you have recently experienced overdue, you should not think about it. In addition to this, you must have a stable income. The level of income is like a “sweeping spell”, which affects the results of the approval. For example, if you are in Beijing and you want to successfully apply for Citibank's happy time loan, your monthly salary must be above 5,000. At the same time, you also need to provide proof of income from the unit and 6 monthsWage flowTo prove the authenticity of income. In this way, the low-income, cash-collected wages and other groups can basically wave their hand and lose their balance with the bank's unsecured loans.

Small loan company
If the bank's unsecured loans are prepared for those high-end people, then the unsecured loans of non-financial institutions such as small-credit companies are designed specifically for me to wait for the revenge. The same is unsecured loans, the requirements of the small loan companies on the borrower is more relaxed. Take an example of income requirements. It's all in Beijing.Ping An BankThe new loan only requires the borrower's monthly income to be more than 3,000. In addition, in addition to bank liquidity can apply for a loan, if it is a cash payment can also be loaned. Of course, if conditions are relaxed, the interest rate will naturally be higher. Compared with the unsecured loans of banks, the interest rates of unsecured loan products of small loan companies will generally be higher, but the risks borne by people's small loan companies are also quite large, so interest rates The high point is also understandable.

【Exclusive Manuscripts and Disclaimer】 All works marked as “Future 360 ​​Original” must be reproduced, excerpted or otherwise used by any entity, organization or individual without authorization in writing. Has been authorized in writing, indicating the source melts 360. Violation of the above statement will infringe upon 360's legal rights and interests and will be legally pursued. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization, please email:

Comment list (User comments are only for users to express personal views, does not mean that this site agrees with their views or confirms their description)
you may also like
  • Xi'an: Stabilizing Workers Which Unsecured Loan Products to Apply?  No car, no room, as long as there is a fixed income, loans can still be found. At present, most financial institutions are mainly pushing unsecured loan products, leaving borrowers with no way to see the vast sky. All this is based on the borrower's ability to repay, that is, the premise of work ...
  • Who can apply for an unsecured loan product with a monthly salary of $1,000?  In the increasingly hot unsecured loan market, a wide range of differentiated products have come to the fore, and the good news for borrowers has followed them all over the place. What kind of good news was brought to you by today's 360 Loan experts? As the title cloud, the monthly salary is only one thousand yuan...
  • The "Three Nothing" Beijing Salaried Workers Which Kind of Unsecured Loan Products Is Suitable? Loans are a tool that can help people to make cash flow. Some people say that it is difficult to apply for loans, especially those who have no houses, no cars, and no credit record. However, “there is no difficulty in the world, I’m afraid that people are interested”, as long as you There is no credit for work. ...
  • Unsecured loan application  To get an unsecured loan, you can't take it for granted that you can get a loan on your own good conditions. In order to effectively realize your dreams, you must first be aware of yourself and see if your conditions meet the requirements of lending institutions. Although including banks,...
  • Where are the unsecured loan products with the lowest interest rates?  Last week, I decided to be a series like "Reporter's Boss." This week I had already finalized the column name, called "Reporting User." how about it? Is it easy to understand and high-end atmosphere! Of course, our sponsors are still unsecured loans that are unchanged for years...