1, the purchase of furniture and home appliances
such as the purchase of TVs, refrigerators, sofas, beds, closets, tables and chairs, air conditioners, water heaters, etc., but also for home improvement.
2. Purchase of automobiles
Consumer loan uses for the purchase of automobiles are allowed, but not for the purchase of homes.
3.For education
For example, for studying abroad and re-education after employment, the loan funds can be used to pay tuition fees, accommodation fees and living expenses.
4, for marriage
such as hiring a wedding company, setting up a banquet, buying wedding clothes, buying jewelry, etc., a lot of short-term expenses, you can apply for consumer loans.
5, travel
Can be domestic travel, can also be foreign travel, the longer the planned travel, the greater the demand for consumer loans funds.
6, medical medical
Medical refers to colds, diseases, accidents and other kinds of medical treatment, medical generally refers to the oral cavity, eyes, plastic surgery and other aspects of treatment surgery.
7, production and business purposes
such as expanding the plant, add business equipment, purchase of raw materials, accounts turnover and other production and business purposes, the demand for small can also apply for consumer loans.
8, other daily consumption
such as shopping and eating, cooking, buying clothes and shoes, paying utility bills, transportation and other basic costs of daily life.
Note that there are clear prohibited uses for consumer loans, i.e., they may not be used for home purchases, investments, and other areas prohibited by law.
If your application for a loan has been rejected, it is advisable to check your creditworthiness first through Sihui Data. If you have poor credit, it is advisable to wait until your credit risk score is lowered and the blemish is removed before attempting to apply for a loan, as this will give you a better chance of being approved.
Expanded:
What are the consumer finance loans?
There are a lot of consumer finance loans, such as Jiexin Consumer Finance's merchandise loan and consumer loan, Immediately Consumer Finance's Yiyihua, Zhaolian Consumer Finance's good period loan, Duxiaoman Finance's rich flower platform's full of easy loan, Zunxiang loan, Suning Finance's Renxin loan, Jingdong Finance's gold bar borrowing, and the ants gold service's Chanting, and the letter's installment of the letter, and so on.
Besides, other consumer financial institutions also provide various types of credit consumer loans to, Zhongyuan Consumer Finance, China Post Consumer Finance, Haier Consumer Finance, Changyin Consumer Finance, Huarong Consumer Finance, Hangyin Consumer Finance, Jinshang Consumer Finance, Shengyin Consumer Finance, Happiness Consumer Finance and so on.
And as long as you pay attention to maintaining good credit, no bad records in your credit report, and can provide proof of a stable income and the ability to repay your loan on time, you will be able to successfully borrow money from the above mentioned consumer financial institutions.
Of course, if your credit is bad, you won't be able to borrow money for a while.
It is also important to note that there are a number of unknown microfinance platforms in the lending market, which have a low application threshold but are not recommended to borrow money because they do not hold a financial license.