If we want to borrow money from the bank now, the bank will usually ask us to mortgage something, and the amount of the mortgaged thing is similar to the amount of the loan we have. This is also because banks have emerged a new way to prevent non-repayment, that is, small unsecured and unsecured loans. As the name implies, when we borrow money, we don't need to mortgage anything, we just need to provide relevant procedures. So, what can we do for the second loan? Let's take a look together.
What can I borrow for a second?
Bai Hua 1
Flower Garden is an online shopping service of "buy this month and return it next month" provided by Ant Microfinance in Alipay. Users can use the amount of flower buds to shop in Taobao and Tmall, and pay back the money on the following month 10 after confirming the receipt. Flower buds, Tmall is divided into stages, Tmall tries first and then buys, Taobao uses first and then pays * * * to use a consumption limit, and the consumption limit will be restored after repayment.
2. Sorry
"Borrowing" is mainly aimed at offline customers who have consumer needs such as decoration and car purchase. The loan amount of "loan" is between 1000 yuan and 50,000 yuan. "Lending Bao" gives borrowers credit for as long as 12 months, which can effectively alleviate the financial pressure. Although "borrowing" has a high amount and a long term, it is not free, and it will bear interest according to "expected annualized interest rate of 0.045%". Users who use "borrowing" can borrow and return according to their actual situation. The conditions for applying for "borrowing" are simple: as long as your sesame credit score is above 600, you can get it. After the approval, the loan time is 3 seconds, so don't worry about not waiting for the result.
3. Lightning loan
Lightning loan can obtain the loan amount through two authentication methods: one is to pass advanced authentication, provide relevant certificates and lend money quickly, which is the traditional credit audit mode; The other is an innovative loan line, which lends its own funds to other users who need money badly, and can borrow money from other users when they need money.
4. Cash bus
Cash Bus is a company that provides 500- 1000 yuan emergency credit loan service for ordinary people. Tang Yang named the company "micro-express", which means small amount and quick arrival. But a big threshold of this matter is how to quickly judge the borrower's repayment ability and willingness to provide unsecured loans. It is mainly aimed at the moonlight clan after 80s and 90s. Their wages have not been paid yet, and they are often short of money. However, when they borrow money from friends, they will always face a lot of human relations and pressure. At this time, the cash bus provides a good solution for everyone.
Second, the loan is reliable.
Credit of 1 and 5 1:
This reputation is good, easy to pass, the quota is relatively high, the company is relatively large, and the security is high.
2. Small win card loan:
Is a small loan software for young people who have just left society. Simple and convenient, the loan success rate is not bad. The quantity is average, you can try it.
3. Xiaomi loan:
Xiaomi finally has a mobile loan app. Xiaomi loan is recommended. Any mobile phone can download it, not just rice noodles. Friends who pursue the millet craze can also try it.
4. Guangyuan Credit Wallet:
This application is a small opening launched by JD.COM. You can check this service in Jingdong Finance, with a minimum of 2,000 yuan, which is safe and reliable. Don't miss this opportunity for JD.COM Powder!
To sum up, there are flowers, loans, lightning loans and cash buses, which can be loaned every second. Among them, flower buds and borrowing buds are all products of Alipay. The former is an online loan, and the latter is aimed at consumers who need to buy a car, and they need sesame seeds to reach the standard. There are two authentication methods for lightning loan, which are more convenient for users. At present, there are 5 1 personal loans, small win card loans, Xiaomi loans and Guangyuan credit wallets. These are trustworthy platforms that need to be understood in detail before lending.
What are the loan platforms for good loans?
1, pat on the loan
The loan auction club accepts the loan application of users 24 hours a day, and the payment speed is very fast in the morning and evening, usually around 1 hour after submitting the application. The service life of the hole is 1-36 months.
2. Flash silver is very strange
Flash silver singularity is also one of the online loan openings that can be paid quickly in the middle of the night, and the credit evaluation can be completed in 3 minutes. Flash silver extraordinary loan amount can reach tens of thousands of yuan, supporting installment repayment.
3. Nice stage
Installment loans are suitable for users with good personal qualifications, age 18-45 years old, real-name mobile phone number of 6 months, and sesame score of 580 or above.
4. Cell staging
For installment loans, as long as Alipay authorizes, it is easy to pay if the sesame score is high. It is best to have flowers or borrow flowers. Age 18-45 years old, real-name registration system used mobile phone for 6 months, and Sesame score was 570.
5. Spot loan
The next payment of the spot loan is very fast. After the approval, the funds will arrive in about 2 minutes, but the user needs to have a good score and buy a member. The longest service life of this cave is 36 months, and the daily interest rate is 0.065%, with no handling fee.
What are the loan platforms that don't look at debt?
1, loan king
Lenders also don't look at the opening of loans that can be made on the day of credit reporting liabilities. The cost is not expensive and the information is simple. The maximum amount is 5000 yuan. You don't check credit information or big data, but you must ensure the truth when filling in the information.
2. Copper loan
Copper money loan is a loan that does not look at credit information. Even if you are in debt, you can apply for a loan. Relying on mobile internet technology, we are committed to continuously improving the user service experience, and it takes only three minutes to quickly credit ID cards and mobile phone numbers.
3. East Gate E Loan
Dongmen e-loan is one of them that can lend money on the same day without looking at credit liabilities. The loan amount is large, and you only need an ID card to get a loan of up to 50,000 yuan. The longest loan period of this project is 90 days, and besides interest, a certain handling fee will be charged according to the loan amount.
Step 4 kiss microfinance
Pro-small loans do not look at credit loans. It is an online loan with a maximum loan of 1 10,000 yuan. There is no occupational income limit, and the loan will arrive on the same day.
1, qualification risk
Online lending is different from financial institutions. Financial institutions are managed by "net capital". Banks and trust companies must have their own registered capital, ranging from several hundred million to more than one billion or even billions. Moreover, registered capital is not used for doing business, but a guarantee and a "threshold". However, due to the low threshold of online lending companies, the government has not yet issued guidance, and platform software can be bought from thousands to tens of thousands. Many people who owe a lot in private lending have bought platform virtual borrowers and virtual mortgages to attract investors to invest at high interest rates. High interest rates are generally at least 30% per year, and individual platforms reach 50% to 70%.
What are the formal lending platforms?
At present, the formal lending platforms are: Flower Garden, Ant Lending, Alipay Online Commercial Bank, Rongding Hundred Loans, and Zhaolian Good Term Loans.
Bai Hua 1
Alipay launched the "consumption first, payment later" service, and users with sesame scores above 600 have the opportunity to apply for opening the "flower garden". At present, the amount of "flower garden" is between 2500-30000 yuan. Users can use it to shop in Tmall Mall or Taobao, and make repayment on the following month 10 after confirming receipt. As long as the repayment is made on time, there is no handling fee.
2. Alipay Online Merchant Bank
Alipay online merchant bank still serves small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions. The application threshold is the same as the previous loan. The maximum loan amount is 1 000 yuan, the expected annualized interest rate on the loan day is 0.05%, and the loan term is 1.2 months. Use the average capital repayment method.
3. Ants borrow it
Alipay's loan business is called ant borrowing. Users do not need to submit complicated personal materials and financial certificates, and the loan can be completed in 3 seconds at the earliest. This service is located in "Credit Life" in "Sesame Credit". Specifically, you only need to open Alipay wallet, click Wealth to check sesame credit score, and then click Credit Life menu to see "Ant Borrowing". To use this service, users who need sesame scores above 600 can apply for loan lines ranging from 1000 yuan to 300,000 yuan. The specific amount needs you to log in to Alipay and enter sesame credit inquiry.
4. Recruit good loans
Zhaolian Good Term Loan is Alipay Life Loan under Zhaolian Finance, with a maximum amount of 200,000 yuan for recycling and a daily interest rate as low as 0.029%. The borrower 18-50 years old is required, and the sesame score is above 550.
5. Rongding Hundred Loans
Rongding EMI is a platform with many Alipay life loans. For example, if you are short of money, you can provide the borrower with a loan of 1000-5000 yuan, with a term of 30 days, which will arrive on the same day, and often provide the borrower with some interest deduction vouchers.