What should I do if I need 10,000 yuan urgently for bad credit? There are so many ways to borrow mon

In real life, many people will have a shortage of funds, and they want to borrow money, but they have bad credit and worry that they can't borrow, especially if the amount is relatively large, such as a loan that urgently needs 10,000 yuan for turnover is likely to be rejected. So, what should I do if I urgently need 10,000 yuan if my credit is not good? In fact, there are still many ways to borrow money.

What should I do if I need 10,000 yuan urgently for bad credit?

1. Borrow money from family and friends. You don't need to look at the credit to borrow money in this way, but it depends on your character and feelings, but don't be reluctant if you don't want to borrow money. If one person can't borrow so much, you can find multiple people to borrow a little each, remember to make an IOU and agree on the time to borrow, and even promise to give some interest, the key is to repay the money on time.

2. Withdraw cash with a credit card. As long as the credit card status is normal and the available limit is sufficient, you can use the credit card to withdraw cash, and you don't need to look at the credit report. However, the maximum cash withdrawal limit of the credit card is only 50%, so if you want to borrow 10,000 yuan, you must have at least 20,000 yuan.

However, it can only be rescued in a short period of time, because the bill will have to be paid off in a lump sum after it comes out.

3. Sell valuable items. Like clothes, bags, shoes, etc., they can be listed on the second-hand trading network and sold for cash, but it is a bit difficult to raise 10,000 yuan, and the cycle will be relatively long.

4. Apply for loans. If the credit is not good, it does not mean that you can't get a loan, but it also depends on the severity, generally as long as it is not a black credit account.

There is still a chance to live, and the type of loan should be chosen as appropriate. For example, if you have liquid assets in your name, you can apply for a mortgage loan up to 80% of the appraised value. There is also a credit loan that can be handled offline, and the requirements for credit investigation are not high, but the interest will be relatively high.

Nowadays, loans have requirements for credit reporting, which makes many people with bad credit very worried that they will not be able to get by. In fact, if the credit is not good, it also depends on the degree, and there are many loan platforms that can borrow money if they are overdue. If you want to know that you can borrow money quickly if you don't have good credit for urgent money, you can take a look at several platforms with loose thresholds and high payment rates listed in this article.

2022 easy loan platform

1. Zhongyuan Consumer Finance: Zhongyuan Consumer Finance is a better platform for borrowing money, there are examples of overdue non-credit black accounts, the borrower has a sesame score of 600 and above, has a well-used credit card, and can apply if it meets the basic loan requirements. There is no return visit to the whole process of the system, and it will arrive on the same day as soon as possible.

2. China Post Wallet Quick Loan: China Post Consumer Finance Credit Loan, the old platform has been good, and occasionally relaxed, there are no special requirements for borrowers, meet the basic conditions, credit and repayment ability to pass the test, there is overdue credit is not very bad can be tried, as long as the amount of cash withdrawal will not be too much problem.

3. Yixianghua: It is also a credit loan platform that has been online for a long time, non-student users have a real-name mobile phone number for more than 6 months, and can provide ID cards and bank cards to try.

4. Suning capricious loan: credit loan with a relatively high lending rate, mainly for users with credit cards, you can try it if the credit investigation is not serious, with a maximum limit of 50,000 yuan, which is suitable for long-term capital turnover. If you have paid willfully before, it will not affect the application, and the quota of the two products will not be shared and will not conflict.

If you don't have good credit, you can borrow money on the following platforms:

1. Rich to spend: Du Xiaoman's well-known lending platform, you may not know Du Xiaoman! But you must know that there is not much to say about this lead errand! It was called "money to spend" before, and the existence of the T1 team level is reliable!

2. Paipai Loan: It is the first P2P online lending platform in China, and it is an online lending platform for personal credit. At present, China Merchants Bank provides a fund depository system for Paipai Loan.

It was founded with the aim of providing a safer and more efficient platform for individuals to lend money between individuals in a more standardized, safe and effective manner.

3. Borrowing: The loan service launched by Alipay can be applied for as long as the Sesame Credit score is above 600 points.

4. Micro loan: In addition to paying Qingyuanbao's ant loan, the most recommended one can be said to be micro loan, which is very suitable for young people nowadays, because it brings convenience to hundreds of millions of people through WeChat, which is the most commonly used by everyone.

IOU: Backed by Qihoo 360, it is well-known, and in terms of security, it is to do network information security, and in terms of big data, there is also a lot of precipitation.

6. Renren Loan: Founded in 2010, Renren Loan has a very strict review of borrowers, and Minsheng Bank provides a fund depository system for Renren Loan.

Generally, credit investigation is spent on borrowing, and most of the money is considered by lending institutions to be relatively tight and the ability to repay is insufficient, so it is difficult to approve the loan.

Because most of the credit investigation is due to the fact that there are too many loans and credit card applications, or because the credit investigation is checked for the guarantee of others.

Therefore, what the borrower needs to do is to prove that the borrowing risk is low, and he can start by increasing his income or reducing his debt, and then choose the appropriate loan type and loan channel.

Here there are two different lending methods based on different qualifications of borrowers.

1. Borrowers with assets in their names.

If you have a house or car with circulating value under your name, you can go to the bank to apply for a mortgage, and calculate it according to the amount that can be borrowed up to 80% of the appraised value of the collateral, as long as the appraised value of the collateral is more than 10,000 yuan, there is no problem with a general loan of 100,000 yuan, provided that the borrower's income is stable and there is no serious bad record.

2. Borrowers who are not collateralized by assets.

It is recommended that you can go to the online lending platform to apply for pure credit loans, such as 360 IOUs, Du Xiaoman, Borrowing, Jingdong Gold Bars, etc., up to Qi Weishi can provide a loan amount of 200,000 yuan.

It may be that one platform can't borrow 100,000 at a time, so borrow a little from multiple platforms to make up, but it should be noted that the application time should not be too concentrated in one time period.

Borrowers who apply for loans too often or carry out loan operations frequently will increase their personal credit risk. The higher the risk score, the more likely it is that the application will be rejected.

Extended information: Credit information is spent**Can you borrow money urgently?

If the credit investigation is "spent" and you want to borrow money urgently, it is recommended to go to the following operations.

1. Find an online loan platform that is not connected to the central bank's credit system to apply for a loan, because there is no access to the credit information, so the main thing to check when approving is big data, how to credit will not have much impact on this, as long as the borrower's large number of high noise is good, there is still a chance to borrow.

And you need to pay attention to it, you must confirm that the platform you are looking for is regular, and you will not charge high interest fees in violation of regulations to borrow, so as not to be deceived.

2. Try to borrow money from close relatives and friends to raise funds, borrowing money from relatives and friends is more negotiable than taking out a loan, and generally no interest charges will be charged.

3. If you don't need funds urgently, you can postpone the application and keep at least three months without borrowing new loans, so as to improve the situation of credit investigation and "spending".

After three months, you can try to apply for a loan from a bank or other licensed financial institution, and the chance of approval will be higher.

It is difficult to get money if the credit is not good, but there are products released by the bank, but the conditions are more, and individual industrial and commercial households, small and micro enterprises can also continue to do it, and the amount is also high, and the personal is difficult to lack hail.

I see that you still don't understand how professional enough, the credit card is not about how much you use, in fact, there is a flat bill.

The loan must be full.

Only when the conditions are met can the source bank take out a loan.

Loan Application Criteria:

1. Have a regular income.

It depends on the salary details;

2. Be at least 18 65 years old;

3. If the loan is used for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Loan Application Materials:

1. Lender's ID card;

2. The lender's credit information in the past six months, and the credit information is good;

3. The bank card flow in the name of the lender for nearly half a year has not been interrupted;

4. Proof of the borrower's residence permit (rental contract, real estate certificate, water, electricity, and gas invoices for the past three months);

5. Income certificate issued by the lender's employer;

6. Social security, insurance policy, and provident fund monthly payment can also be loaned.

If you want to borrow a higher amount, you can take out a mortgage, such as a house, car, etc.

The following platforms can apply for loans:

1. Rich Money: Rich Spend is a credit service product under it, which has a good reputation and a relatively fast lending speed. It can meet the daily borrowing needs, and it is very convenient to borrow if you want.

The maximum amount is 200,000 yuan, and the average daily interest of 10,000 yuan for 1 year is started. The better the credit, the lower the interest rate.

2. Borrowing: Borrowing: Borrowing is a pure credit loan product launched in Alipay's Alipay, which is issued according to the consumption situation and repayment ability of Alipay users, and ordinary users have the opportunity to apply for opening only when the sesame score reaches 600 points or more, according to the sesame score, the loan amount is 10-300,000, the minimum daily interest, the loan term is 12 periods, and it supports borrowing and repaying at any time, and it has always been a conscientious loan platform.

3. Huanbei: Shanghai Shuhe Information Technology was established in 2015 and launched Huanbei products in 2016. The major shareholder is Focus Media, a listed company (****:

4. WeLoan: WeBank's first Internet bank under Tencent, whose products include micro-loans, micro-car loans, etc., and is committed to providing fast financial services for small enterprises and individual consumer groups.

5. Paipai Loan: Founded in 2007, Paipai is a P2P financial platform listed on the New York ** Stock Exchange. Paipai loan products are mainly divided into loose and rainbow labels.

At present, it provides users with a credit loan with a maximum loan amount of 200,000 yuan, and a monthly loan interest rate of about 1%. Users can choose the right loan product according to their needs.

I believe that most people have encountered a shortage of funds in their lives, if it is only a few hundred or thousands of yuan, it is more likely to borrow from a friend. But if there is an urgent shortage of tens of thousands of yuan, there are not many friends who can help easily. I have a friend who consults, how to borrow 10,000 yuan if the credit is not good?

There is a good chance that these three channels will succeed!

How to borrow 10,000 yuan if the credit is not good?

1. Mobile phone small loan platform

Nowadays, there are many mobile loan software on the market that can help lenders successfully borrow money. Compared with bank credit loans, small loan software also relies on credit borrowing, and the credit requirements for users are much lower. As long as the user's personal credit.

There is no particularly serious credit stain, and the success rate of borrowing 10,000 yuan is still very high.

However, the borrowing interest rate of mobile phone small loans is usually higher, and most of the small loan software will also be used for credit investigation. Therefore, it is recommended that everyone borrow reasonably and repay on time.

2. Bank mortgages

If the borrower does not want to bear the higher interest rate, he can also go to the bank to apply for a mortgage. As long as there is collateral with a relatively large sum insured and a large value, it is not difficult for the borrower to apply for a loan amount of 10,000 yuan from the bank. Under normal circumstances, the bank will give the borrower a loan amount of about 70% of the value of the collateral.

Houses, luxury cars, luxury watches, large insurance policies approved by banks, etc., can be used as collateral for mortgages. If the borrower is unable to repay the loan, the bank will auction the collateral to repay the loan.

3. Bank-guaranteed loans

The borrower can also choose to find a person with good credit, stable employment, and who meets the conditions of the bank loan to guarantee the loan for himself. The line of credit that can be applied for for a secured loan.

Generally, it is higher, and the amount of 10,000 yuan can basically be applied. However, it is important to note that the guarantor has the same obligations as the lender, so few people are willing to vouch for others.