First place: lufax:
Is a member of China Ping An Insurance (Group) Co., Ltd., headquartered in Lujiazui, an international financial center. 13 has a turnover of more than one billion and more than 400,000 registered users.
Safety index: ★★★★★★★ Benefit index: ★★★★ Impact index: ★★★★★★
Second place: Renren Loan:
Since its establishment in May 20 10, Renren Loan has covered more than 2,000 areas in more than 30 provinces across the country. On October 9th, 20 14/kloc-0, Renren Loan held a press conference, and announced that it had obtained the venture capital of 654.38+03 billion US dollars led by Zhixin Capital, which was the largest single financing for global internet finance enterprises.
Safety index: ★★★★★★★ Benefit index: ★★★★ Impact index: ★★★★★★
The third pleasant loan:
Pleasant loan is a person-to-person lending service platform launched by CreditEase Company on 20 12, which is backed by CreditEase and has a unique influence.
Safety index: ★★★★★★★ Revenue index: ★★★★ Impact index: ★★★★★
The fourth advantageous network:
Youyou Com is an innovative Internet finance website launched on February 25th, 20th13rd. On October 20 1 165438 10, it received an investment of one million dollars from Softbank China Capital (SBCVC), with a transaction volume of about 300 million in 13 and nearly100000 registered users.
Safety index: ★★★★★★★ Revenue index: ★★★★ Impact index: ★★★★★
The fifth component:
Founded on 20 13, up to now, the accumulated transaction volume has exceeded 400 million yuan, and it has won A round investment and Yintai Capital Investment100000 USD.
Safety index: ★★★★★★ Revenue index: ★★★★★ Impact index: ★★★★★
Sixth place Hongling Venture Capital:
Ling Chuangtou E-commerce Co., Ltd. was established with the approval of Shenzhen Industrial and Commercial Bureau in early 2009, and its turnover has been leading.
Safety index: ★★★★★★ Revenue index: ★★★★★ Impact index: ★★★★★
Seventh place to take a loan:
Paipai Loan was established in June 2007. Paipai Loan is also the first Internet financial platform specially approved by the industrial and commercial departments, and has obtained the qualification of "financial information service", thus gaining government recognition.
Safety index: ★★★★★★ Revenue index: ★★★★★ Impact index: ★★★★★★
The eighth loan network:
Lending Network was established in 2009. Up to now, it has more than 10 million registered members and more than 10 branches in China. It is the best one in China that focuses on promoting the development of microfinance in the third and fourth lines. At present, Cai Wensheng and other well-known angels have invested, and they are ready to enter the A round of financing on 14.
Safety index: ★★★★★★ Revenue index: ★★★★★ Impact index: ★★★★★
The ninth place is melting. com:
Point melting. Com was founded on 20 12, and went online on March 20 13. By the end of 20 1 1, its total transaction amount has exceeded 1 billion yuan, and Northern Lights Venture Capital has completed the capital injection of10 million US dollars.
Safety index: ★★★★★★ Revenue index: ★★★★ Impact index: ★★★★
The tenth person gathers wealth:
Renren Jucai was officially put into operation on 20 1 1. The registered users in Jucai.com exceeded 65,438+million, and the transaction volume in 13 exceeded 300 million.
Safety index: ★★★★ Revenue index: ★★★★ Impact index: ★★★★
Hope to adopt! !
What are the regular online lending platforms?
The first type: banks are loan platforms.
In the inherent impression, the bank's loan product review is very slow. Mortgage loan is one month, and credit loan is seven days at the earliest. However, in fact, banks have also made many changes in fast loan products. For example, Ping An I Loan, China Construction Bank-Express Loan, etc. Online auditing and real-time payment can also be realized.
Take Ping An I Loan as an example. The loan amount is 1 1,000-30,000 yuan, the loan term is 1 month, and the daily loan interest rate is 0. 1%. The interest rate is calculated on a daily basis, and no interest is calculated without cash. Users can apply for self-service through Amoy Qian Bao website, and they can lend money on the same day after approval.
Advantages and disadvantages: the threshold of fast loan products of banks is relatively high, and only high-quality customers can apply for loans. Some people with defective qualifications may be blocked from lending, but the strength of bank loan products has crushed many small loan products in the loan interest rate.
The second type: Internet e-commerce small loans
With the rapid development of internet finance, many enterprises have entered the financial field and started their own microfinance products. For example, Alipay loan, WeChat micro-loan, JD.COM gold bar, Xiaomi loan, Wanda loan, 360 IOUs, etc.
Take Alipay loan as an example. The loan amount is between 500 yuan and 300,000 yuan, and the loan interest rate is between two ten thousandths and five ten thousandths of the daily interest rate. Users can download Alipay APP, find the loan entrance in the sesame credit column, and apply online directly in advance, and the loan time will arrive in 3 seconds at the earliest.
Advantages and disadvantages: The advantage of Internet small loan is that it may be the fastest loan product. However, the disadvantage is that the interest rate is high, all products are invited by white list, and there is no way to manually open the quota.
The third type: P2P platform or small loan company.
Do P2P platforms, companies and companies have loan products that arrive quickly? Also, P2P platforms and corporate loans are faster than traditional banking products, but slower than Internet small loan products. Take the loan auction or group loan network as an example. If you apply for a loan on these platforms, you can make the next payment on the same day at the earliest.
Advantages and disadvantages: the advantage is that the threshold is low and the people who meet the conditions for applying for loans are relatively wide. However, the disadvantage is that P2P platforms and small loan companies are mixed. Most of the platform loan interest rates are very high, and some even have an annual interest rate of more than 20%, which may be accompanied by various miscellaneous fees. The borrowing cost is too high for the borrower.
The fourth type: small fast loan products.
This is easy to understand. Generally, it is a microfinance product developed by small loan companies, consumer finance companies and internet finance companies. There are 36 periods with a long cycle, such as Hengyi Loan; You can borrow it for 7 days in a short period, such as cash bus and Qian Bao.
Advantages and disadvantages: For online small-scale fast loan products, the loan amount applied for the first time is usually not too high, and it is necessary to repay the loan on schedule or provide more qualification information to increase the credit amount. At the same time, the total interest rate of some products is high, which is only suitable for short-term turnover and not suitable for borrowing for too long.
What formal loan companies are there online?
10 Official online loan approved by the state:
1, Immediate Finance: Formal licensed consumer finance, supervised by CBRC.
2. BOC consumer finance: formal consumer finance with banking background, with low interest on loan products and certain competitive advantages.
3. Loan: The loan in Alipay is a credit loan product under Ant Financial, and the interest of the product is based on the lender's credit. Qualification adjustment, the minimum daily interest rate is 0.0 15%.
4. Baidu has money to spend: the daily interest rate of Baidu credit loan products is 0.05%.
5, 360 IOUs: Qihoo 360' s loan product, with an interest rate of 0.027%, belongs to a low-interest online lending platform.
6. Zhaolian Finance: The daily interest rate of good-term loans under Zhaolian Finance is between 0.029% and 0.05%.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safe. Support early settlement of repayment after the first installment.
If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Staging music can be borrowed up to 50 thousand!
Click online measurement