The top 10 formal online lending platforms are Lending Bao, Micro-loan, Qianhua, China Post Wallet, Today Headline Lending, Meituan Life Consumption, Zhaolian Good Loan, JD.COM Gold Bar, Suning Finance and Ping An I Loan.
First, a better online lending platform
1, excuse me
I believe everyone already knows that Lending Bao is a credit service brand under Alipay, with a maximum loan amount of 300,000 yuan and a daily loan interest rate of 0.0 15%-0.06%.
Borrowing white money is an invitation system, and you can only borrow white money after being invited. The opening condition is that the sesame score reaches 600, and Alipay has a real-name registration system. Sesame points are mainly based on the user's identity information, credit status, personal connections, repayment ability and so on.
2. Microfinance
Micro-loan is an Internet loan product launched by Tencent Weizhong Bank. The loan interest is calculated on a daily basis, and the daily loan interest rate is 0.02%~0.05%. Microfinance, like borrowing, is also an inviting way to open. Users can only use the loan if they are invited to micro-loan. Users can check whether there are micro-loans in qq wallet or WeChat Jiugongge.
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.
My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.
360 IOUs, with a maximum loan of 200,000!
There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.
Step 3 have money to spend
Qianhua is a credit product of Xiaoman Finance, which provides personal consumption credit services to the public. Rich flower owners promote all-easy loans, with the maximum amount of all-easy loans of 20,000 yuan, the daily interest rate of rich flower owners-all-easy loans as low as 0.02%, and the lowest loan interest rate of 1 1,000 yuan, starting from 2 yuan every day. At the same time, when applying, you must ensure the authenticity of the information you provide, and ensuring good credit information is also a necessary condition for obtaining a better quota.
Second, the conditions that online loans need to meet are:
1. The borrower can provide an ID card.
2. The borrower can provide a residence permit.
3. The borrower is over 18 years old and has full capacity for civil conduct.
4. The borrower can provide personal bank flow.
5. The borrower can provide asset certificates required by other lending institutions.
6. The borrower shall verify the mobile phone number.
7. The borrower can provide proof of the purpose of the loan.
There are more and more online lending platforms, and it is more and more convenient to borrow money, but it also leads to more and more overdue people. Many friends are helpless in the face of collection. After all, they owe money first and make mistakes first. Even if you want to negotiate repayment, it is often fruitless. In fact, negotiating repayment is also skillful. Using some negotiation skills, the effect may be much better.
The most reliable loan platform
A simple and reliable loan platform, and the loan platforms that are easier to pass are:
(1) Zhaolian Good Term Loan: For the credit products under Zhaolian Finance, it is best to apply online and review online, as long as the users have good credit and certain repayment ability.
(2) Ease Flower: The application threshold for Ease Flower is not high, and it is relatively easy to pass as long as it meets the basic loan conditions.
(3) Borrowing: As long as there is an application entrance and quota, borrowing can basically guarantee the success of the next payment.
(4) Micro-loan: You need to check the credit limit in advance, and users with good credit have a high pass rate.
(5)360 IOUs: pure credit loan products. If the age meets the requirements and the credit information meets the requirements, you can apply.
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.
First, the conditions that should be paid attention to in bank loans are:
(1) The applicant is at least 18 years old and has full capacity for civil conduct;
(2) The applicant has good credit;
(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;
(4) Having a legal and valid household registration certificate or a valid residence certificate;
(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest in full and on time.
Second, the loan risk.
(1) The agreed interest is seriously inconsistent with the actual interest. Because you signed the contract before the loan, but after the loan, you found that the actual interest was much higher than the agreed interest.
(2) The company that handled the mortgage loan closed down, the deposit and the real estate license could not be recovered, and the mortgage registration could not be revoked, which made it impossible to buy or sell real estate and make loans.
(3) The agreed interest rate is very low, but there are many other expenses (such as deposits and handling fees).
(4) Find a private person to handle the loan, and the money has been paid off after the maturity, and the lender does not cooperate with the cancellation of mortgage registration, or requires additional fees.
(5) Many "dirty" companies want your house, not profit.
Third, because of the so-called low risk and high profit, many private mortgage loans are now handled by many lending institutions. If there are more institutions, the market will be chaotic, and various problems will emerge one after another, and there will be many routines. Is private loans really not suitable for loans? No, after all, not everyone who needs funds can borrow money from the bank. Private loan companies have solved the problem that many enterprises and individuals urgently need money.
What companies are there in the formal loan platform?
Formal online lending platform:
1. CreditEase 20 12 launched Pleasant Loan, and 20 15 was listed on NYSE.
2. Renren Loan is a loan platform under Xinyou Jinfu, which was established on 20 10 and is one of the earliest online lending platforms in China.
3. China Ping An's platform, lufax, was established in Shanghai in September, 201/KLOC-0, and was supported by the Shanghai Municipal Government.
4. Paipai Loan was established in June 2007 and listed on the New York Stock Exchange on 20 17. It is the first online lending platform in China.
Expand data
What is online lending? In fact, as the name implies, online lending is online lending. For example, if you borrow money from him on an application, then this is an online loan. And like the flower beds used by many people, these are collectively called online loans. Online lending is online lending. Online lending is actually borrowing money online and borrowing other people's money, commonly known as online lending, but some online lending is safe. It is also a formal channel. Some online loans are informal channels, just like flower quilts. These are formal channels, and the interest rate is relatively low. So if you borrow money from others online, it is also called online loan, so this kind of online loan is more dangerous. Online lending is also an informal online lending.
Borrow money on a regular basis with a purpose. For example, if I use it normally and repay it normally, then I think this online loan is normal, but you borrow money from major platforms and those informal platforms. Then this kind of online loan is particularly dangerous, which may cause the destruction of your family and your own debt. What about things like this? Sometimes, blindly borrowing money will make you owe online loans, leading to family destruction. Because some of them are informal, the interest on online loans is extremely high and the profits are rolling. In the end, you can't afford it, directly.
The reason why many people blindly borrow money is precisely because they blindly spend money to compare with others, which leads to so many people going online and generating huge debts that they can't bear. But blind consumption, we should not blindly consume and compare with others.
In short, talking like blind consumption is an important reason why I owe huge online loans. Therefore, we really shouldn't blindly consume, which will have an impact on our future and cause us to owe huge debts. If you can't bear it, it will directly lead to parents' debt.
What are the legal online lending platforms?
At present, the official online lending platforms recognized by the state mainly include: 1, Ping An Hewlett-Packard, 2, Jingdong Finance, 3, Suning Finance, 4, Paipai Loan, 5, Microfinance, 6, Lending Treasure, 7, Xiaomi Loan, 8, 360 Lending Treasure, 9, Youhuahua, 10 and Jiaohao.
First, the top ten legal online loans in 2020
1. Excuse me, Ante
2.360 IOUs
Have money to spend
4. Microfinance
5. Gome Easy Card
6. Ping An I Loan
7.JD.COM gold bars
8. Comfortable flowers
9. Living expenses of the American delegation
10. Zhilian Premium Loan
Second, introduce an online lending platform.
1. Excuse me, Ante
Maximum loan amount: 200,000 yuan
Ant borrowing is a service that Alipay withdraws from, and it is a relatively formal online lending platform. As long as Alipay sesame score is above 600, it is very convenient to borrow money from ants.
2.360 IOUs
Maximum loan amount: 200,000 yuan
360 also launched a loan service, people can make formal loans, and 360 loan is one of the top ten formal online loans in 2020. Its threshold is very low and its collection speed is very fast, which can meet the needs of many people.
Have money to spend
Maximum loan amount: 300,000 yuan
This is a loan platform owned by Baidu. There are many different loan businesses that can meet the different loan needs of different groups of people. Not only the amount is relatively high, but also the interest is low. It is more flexible to borrow money or pay back money.
4. Microfinance
Maximum loan amount: 300,000 yuan
Micro-credit mainly adopts the invitation system, which means that not everyone is eligible for loans, and only a small number of people can borrow on it every year. The loan interest of this platform is calculated on a daily basis, and the general comprehensive interest rate is around 0.05%.
5. Gome Easy Card
Maximum loan amount: 50,000 yuan
Gome Easy Card is owned by Gome Finance. If people want to borrow money on it, they don't need mortgage guarantee. /kloc-people between the ages of 0/8 and 45 can borrow money, and it is easy to get money as long as their income is stable.
6. Ping An I Loan
Maximum loan amount: 30,000 yuan
Zhaolian good-term loan is a loan platform opened by banks and financial institutions, and its security is very high. However, it's a little troublesome to borrow money on it because it needs to grab places, and office workers who are in urgent need of money can borrow money on it.
7.JD.COM gold bars
Maximum loan amount: 300,000 yuan
JD.COM gold bars need an invitation system, just like microfinance. This platform is owned by Jingdong Finance. If people have a lot of JD.COM white bars, they will have a higher chance to open JD.COM gold bars.
8. Comfortable flowers
Maximum loan amount: 50,000 yuan
Easy to consume is also a platform for easy loan success. If a person is between 18-55 years old, has a relatively stable job and a stable income, he can successfully obtain a loan on it, and the review speed is relatively fast and the success rate is quite high.
9. Living expenses of the American delegation
Maximum loan amount: 200,000 yuan
This is the loan platform that Meituan Company withdrew from. Some users who need cash flow temporarily can go here for loans, because it is more convenient to support lending treasures.
10. Zhilian Premium Loan
Maximum loan amount: 200,000 yuan
Zhaolian Good-Term Loan successfully ranked among the top ten formal online loans in 2020. It is a loan service launched by Zhaolian Consumer Finance and a relatively formal loan platform. The loan amount of this platform is between 200,000 and 200,000, and it can be recycled within 3 years.
What are the regular loan companies? These people need to know.
When it comes to loans, most people are most worried about being cheated, which is human nature. After all, the purpose of applying for a loan is to solve the problem of using money. If you are cheated in the process, it will be even worse. So be sure to find a formal loan company to apply for a loan. So, what are the regular loan companies? You can have a look below.
What are the regular loan companies?
1, banking institution
Formal commercial banks were established after being examined and approved by the People's Bank of China. They have bank licenses, which can absorb public deposits and provide loans at the same time. Private banks also need to obtain the approval of China Banking Regulatory Commission and issue financial licenses before they can formally start their business.
For example, ICBC e-loan, Agricultural Bank e-loan, China Construction Bank express loan, Bank of China e-loan, Weizhong Bank micro-loan, online merchant bank online merchant loan, etc. These are personal credit loan products launched by regular banks.
2. Consumer finance companies
It is a non-bank financial institution approved by China Banking and Insurance Regulatory Commission, and holds a formal license. It carries out loan business with its own funds and does not absorb public deposits. Generally, the registered capital is as high as several hundred million yuan, and the maximum amount of consumer loans granted to individuals is no more than 200,000 yuan.
For example, the good-term loan of Zhaolian Consumer Finance Company, the revolving loan of China Post Consumer Finance Company, the new easy loan of BOC Consumer Finance, the instant easy loan of consumer finance, and the consumer loan of Gitzo Consumer Finance. The products launched by these formal consumer finance companies can be properly looked at.
3. Regular companies
In other words, a limited liability company or a joint stock limited company operating business is wholly owned by a legal person or invested by other natural persons and social organizations. The registered capital is generally smaller than that of consumer finance companies, and it does not absorb public deposits, which requires the supervision and management of relevant departments according to law.
For example, JD.COM white bars, gold bars and other credit products launched by Du Xiaoman Financial Company and Jingdong Financial Technology Company are relatively formal loans.
The above is about "What are the regular loan companies?" I hope I can help you.
What are the regular consumer finance loan companies? Look at these five
A consumer finance company refers to a non-bank financial institution established with the approval of China Banking Regulatory Commission and holding a formal license. The maximum loan amount granted to an individual does not exceed 200,000 yuan, and the loan funds can only be used for daily consumption purposes, and may not be used for car purchase, house purchase, investment, etc. So, what are the regular consumer finance loan companies? Let's take a look together.
What are the regular consumer finance loan companies?
1, Zhaolian Consumer Finance
Established by China Merchants Bank and China Unicom, two Fortune 500 companies, with the approval of China Banking Regulatory Commission, the registered address is located in Shenzhen with a registered capital of 654.38+0 billion yuan. Its good-term loan products have a maximum loan amount of 200,000, a maximum loan period of 36 months and a minimum annual interest rate.
2. Consumer Finance of Hangzhou Bank
With Hangzhou Bank as the main sponsor and approved by China Banking Regulatory Commission, it is also the first consumer finance company in Zhejiang Province with a registered capital of 1 100 million yuan. Its exclusive light loan products can borrow up to 200,000 yuan, with daily interest and the lowest annualized interest rate.
3. Consumer Finance in Yin Chang
Established by Changan Bank, Huitong Leasing and Yide Sean, among which Changan Bank is the 6th consumer finance company in China and the first officially licensed consumer finance company in Northwest China, with the maximum loan amount not exceeding 200,000 and the annual interest rate ranging from19.88% to 23.88%.
4. BOC Consumer Finance
It is a comprehensive operating company under the Bank of China. Approved by China Banking Regulatory Commission, it was established on June 20 10. It is also the first consumer finance company in Shanghai. Its new easy-to-borrow credit consumer loan product has a maximum loan amount of 200,000 yuan, and the annualized interest rate is between simple interest and transparent fee.
5. China Postal Consumer Finance
Established by seven well-known enterprises, including China Postal Savings Bank, and approved by China Banking Regulatory Commission, it is headquartered in Guangzhou with a registered capital of 3 billion yuan. A variety of loan products, such as revolving loan, extremely fast loan, owner loan and postal savings loan, were launched, with a maximum loan of 200,000, the maximum repayment in 24 installments and the lowest annualized interest rate.
The above is about "which formal consumer finance loan companies are there?" I hope I can help you.
This is the end of the introduction about where there are formal loan companies and where there are formal loan companies. I wonder if you have found the information you need?