1, money loan
Ignoring risk control, the new loan amount is generally between 1 1,000-50,000 yuan, and the new user borrows about 5,000 yuan for the first time. It is also a relatively easy loan platform at present. The loan can be completed within 65,438+00 minutes at the earliest, and it can be successfully received on the same day.
Step 2 have money to spend
Youhuahua is a product of Baidu Xiaoman, and Youhuahuaman Easy Loan is also one of the online loans with a relatively high pass rate at present, with a quota of 1 000, with a maximum of 200,000, which can meet the borrowing needs of many people. Anyone with good credit can apply.
Step 3 go back
Also, it is the platform for accompanying payment. Although it is relatively unpopular, the payment rate is really good. The official copy also said that the payment amount will be made on the same day, regardless of credit information and liabilities. The amount is generally between 1, 000-50,000 yuan, which is very practical for solving the problem of temporary funds.
4. Banyan loans
Banyan Tree loans are approved more, and the approval is easier to pass. There is no requirement for credit reporting, which is only suitable for very short-term needs. Generally, loans are made on the same day, and the amount of loans ranges from 1000 yuan to 50,000 yuan. Generally, the first loan amount is several thousand yuan.
5. Sina staging
At the time of application, you must be at least 20 years old, and your mobile phone number is real-name registration system for 6 months. You can apply for a loan with your ID card, with a quota of 1000-30000 and a term of 1- 12. Quick approval is also a popular loan product in the near future.
Which of the first few loan platforms is the best?
Top ten loan platforms, which ones are the best to use:
1, Alipay-Ant Borrow
Ant lending is a loan product for personal consumption under Alibaba. You can borrow money from it and use it to repay it. There is no penalty for prepayment. It is convenient to use and the loan is quick. One second to Alipay, the daily interest rate is between 1.5- 6.5. The initial interest rate is high and it is used more. Timely repayment, no overdue records. Interest rates will gradually decrease. As long as the sesame score is above 600.
2. WeChat-Microfinance
Micro-loan is a loan product of Weizhong Bank. It is very convenient to apply on wechat. After entering WeChat, click "My"-"Pay" to see the entrance of micro-loan. Micro-loans will give a certain credit line according to the comprehensive qualifications of users, with daily interest and repayment as you borrow. You can also use the repayment method of average capital to repay from the loan bank card every month.
3, Baidu-money to spend
Qianhua is a personal consumption loan product owned by Du Xiaoman (formerly Baidu Finance). Online application can be completed in 30 seconds without mortgage, and the loan can be released in 3 minutes at the earliest. The loan can be repaid in advance with a maximum amount of 200,000 yuan and a minimum daily interest rate of 0.02%.
4. Suning-willful loan
The interest-free period for new users of willful loans is not short, the longest interest-free period is 30 days, the daily interest rate is as low as 0.02%, and they can repay in advance, up to 300,000. The online application is automatically approved by the system, and the loan can be released in 3 minutes at the earliest. There is no charge for the unused amount.
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
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.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
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.
Anyway, Baidu Finance supports free prepayment. If it is not needed in a few months, you can choose to settle in advance. It doesn't matter to us how long the interest will last. 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!
Click online measurement
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.
The third is that Ping An Bank can borrow up to 500,000 yuan in new loans (fast loans)! 0 mortgage 0 guarantee: no guarantee is needed, only personal credit is needed, and the application threshold is low: you can apply for a monthly income of more than 4,000 yuan (provident fund, mortgage, and insurance policy are all available).
Ping An Xin Yi Dai Click Online Measurement
What are the reliable lending platforms?
Which loan platform is better and which platform is the easiest to borrow money:
It is best to choose a credit loan from a licensed institution. After all, institutions that can win the financial license issued by the central bank have certain strength, and basically will not have no money to lend. The key is that there will be no routines and no arbitrary charges.
Friends in need can look at the following loan platforms:
1, 360 IOUs: 360 financial credit loans are provided by licensed financial institutions, which can be lent normally with low threshold. /kloc-Borrowers aged 0/8 ~ 55 can register with the mobile phone number of the real-name registration system, upload a photo of a valid ID card, bind the bank card in their own name to complete the authentication, and borrow after the quota is issued. The maximum loan amount is 200,000 yuan, and the longest loan is 1 year, which is suitable for office workers.
2. Call for a good term loan: it is operated by a licensed financial company, and the credit loan does not need mortgage guarantee. Borrower 18~55 years old, with stable working income, can try to borrow money with sesame score above 600. Good credit. If you have provident fund and social security under your name, the better your qualifications, the faster you can get the loan.
, just find a small sum of money, that is, the original Baidu Finance, the loan amount ranges from 5 million to 200,000, the annualized interest rate starts from 7.2%, 1 yuan 2 yuan Borrow 1 day interest, daily interest, unsecured, pure credit, full-time ID card bank card online application, the fastest approval in 30 seconds, 1 minute,.
Du Xiaoman Finance has cooperated with hundreds of banks and licensed institutions in order to provide better services to everyone. Cooperative banks and licensed financial institutions mainly include: Agricultural Bank of China, Postal Savings Bank, China Everbright Bank, Minsheng Bank, Huaxia Bank, Bohai Bank, Bank of Beijing, Bank of Guangzhou, China Post Consumer Finance and Yin Bei Consumer Finance. Everyone can borrow it with peace of mind.
3.JD.COM Gold Bar: Jingdong Financial Credit Loan, with the maximum amount of 200,000 yuan, the longest installment 12 months, age 18-59 years old, real-name registration system account, JD.COM, with shopping habits in JD.COM Mall. Borrowers with high credit scores can try to apply, and the system will make a comprehensive evaluation with reference to the borrower's consumption behavior, credit status and repayment ability.
4. Zhongan Small Loan: a product of Chongqing Zhongan Co., Ltd., with fast loan and transparent interest rate, with a limit of 3,000 yuan and a maximum of 200,000 yuan, and a service life of 3- 12. Chinese mainland residents aged 22-55 can register with real-name registration system mobile phone number, then submit their basic personal information, upload their ID cards and bind their debit cards.
5. White cat loan: a pure credit loan under the system small loan, which can be directly applied online, with low interest rate and quick review. It can provide a loan amount of 5 million to 200,000, and the longest loan period can reach 12 months. The borrower is required to be at least 22 to 55 years old, with good credit and stable repayment ability, and is temporarily closed to Xinjiang, Ningxia, Inner Mongolia and other regions.
6. Doudou Money: a consumer loan product under WeChat Jinke, with a quota of 30,000-50,000 yuan, which is divided into 3-24 months. The loan application materials are relatively simple. Borrowers aged 22-50 only need to provide ID card, bank card, mobile phone number password/verification code to borrow money, and the system automatically approves credit extension, which is fast in lending and low in interest rate.
7. Didi Loan: The pure credit loan launched by Didi Finance is reviewed by the system. As long as it passes smoothly, it can be released on the same day. The next one is no more than 200,000 yuan, and the service period is up to 36 months. Applicants must be Chinese mainland residents aged 22-40 and be able to submit personal information such as ID card and bank card.
8. An Yihua: online loan product for immediate consumption finance, with a quota of 1 1,000 ~ 200,000 yuan, a minimum daily interest rate of 0.02% and a maximum loan term of 12 months. Chinese mainland residents aged 22-40 can apply with their mobile phone numbers, ID cards and bank cards, but they are not applicable to Xinjiang, Ningde, Hong Kong, Macao and Taiwan, Gansu, Qinghai and Ningxia.
What are the more formal online lending platforms?
Reliable loan platforms include: Ant Lending, JD.COM Gold Bar and Xiaoman Finance.
1, ants borrow it:
Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their journey to the Internet through the "Internet Booster Program" and providing inclusive finance services for small and micro enterprises and individual consumers.
Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
At present, the consumer loans issued by e-commerce giants are mainly aimed at the staged consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios are also starting.
2.JD.COM gold bars:
As a sub-brand of digital technology in JD.COM, JD Finance includes personal finance, corporate finance, financial technology and other sectors, and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs and increase revenue, and working with financial institutions to better serve individuals and corporate users.
What are the top ten formal lending platforms?
The top ten 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, Spending Money, 10, and.
1, Ping An Pratt & Whitney
Ping An Pratt & Whitney is an online lending platform owned by China Ping An, which is quite reliable in terms of security. There are also many loan products, such as I loan, life insurance loan, excellent mortgage, owner loan and owner loan. Users can choose according to their own needs.
2. Jingdong Finance
Jingdong Finance belongs to the JD.COM platform. The white bars and gold bars of Jingdong Finance can help people in need to borrow money. There are fewer white bars and more gold bars.
3. Suning Finance
Suning Finance should be familiar to many people, and its main loan product is Suning's discretionary payment. The loan amount that can be repaid at will can be as high as 200,000 yuan, mainly because the threshold for applying for the loan amount is low, which can meet the needs of adults over 18 years old, and they can apply if there is no bad record in the credit report.
Step 4 rent a shot
Pat loan is also a very reliable online loan platform. It is understood that it has existed for ten years and has been listed in the United States. The auction loan can reach up to 200,000 yuan.
5. Microfinance
"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users.
"Micro-loan" adopts the official invitation system. Invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan.
6. Borrowing is a reception service of Alipay, and its safety index is relatively high. At present, as long as it can meet the Alipay sesame credit score of more than 600 points. The loan amount you can apply for ranges from1000-300,000 yuan.
7. Xiaomi loan
Loan products belonging to Xiaomi financiers provide installment services. The application process is a bit cumbersome, but it supports lending and returning. Generally speaking, it is quite reliable.
8360 IOUs
Its main characteristics are fast lending speed and low application threshold. The daily loan interest rate is as low as 0.027%, which is equivalent to an annual interest rate of 95%. There is no need for a complicated application process, and the mortgage can be repaid as soon as it is applied.
9. Have money to spend
Baidu loan platform can meet the needs of different borrowers according to different loan businesses. The loan method is simple, mainly because the interest is low, and the loan can be repaid as you borrow it.
10, recruit a good term loan.
It is a lending service launched by Zhaolian Consumer Finance, occupying the top ten of formal online loans for a long time. The formality of the platform is self-evident, and the loan amount is generally around 200,000-200,000 yuan. The production line can be recycled within 3 years.
What are the formal lending platforms?
At present, the formal lending platforms are: Flower Garden, Ant Lending, Alipay Online Banking, 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.