Medical loan application conditions:

1. Applicants must be at least 23 years old and cannot be students;

2. Personal credit information is good and there is no bad credit record;

3. The applicant has a certain ability to repay the principal and interest;

4. Medical and beauty institutions applying for loans are large institutions with high reputation and business compliance. Meet the above conditions, users can try to apply for medical beauty loans.

1. What is a medical beauty loan?

This kind of loan is a kind of consumer loan. Some loan platforms cooperate with medical and aesthetic institutions to provide immediate consumption and beauty priority for some groups with insufficient consumption power.

Different from other consumer loans, the amount of medical beauty loans can only be used to pay the plastic surgery expenses of designated medical institutions, and cannot be withdrawn or transferred, nor can it be used for other purposes.

2. Is the medical loan legal?

At present, laws and regulations do not clearly stipulate that medical and American loans are illegal, only that medical and American loans are in a gray area. However, the medical and American loan products on the market are mixed, which are difficult to control, lax in examination and unsecured, and easily lead to a series of social problems. Therefore, we should try our best to choose medical and beauty loans launched by formal institutions.

Usually, regular medical and beauty lending institutions are qualified for loans, that is, institutions with formal financial licenses, or cooperative loans with licensed financial institutions, will not charge high interest, do not conceal the real loan interest, and the interest rate range will not exceed the warning line stipulated by law, and can provide formal loan contracts without malicious collection when users are overdue.

In addition, the beauty institutions that cooperate with the medical and American loans must have valid business licenses and medical institutions' practice licenses, surgeons must obtain doctors' practice certificates, and the fees are transparent, and they will not falsely report medical projects and drive up the cost of surgery.

3. Is there a credit report for the medical loan?

If the credit information collected at the medical and aesthetic staging platform meeting is overdue, it will have a very adverse impact on the borrower's credit. It is extremely difficult to get a loan or apply for a credit card in the future. Those who don't receive credit information will access private credit information agencies, probably because the credit information between online lending institutions will eventually affect your personal credit.