Ten most formal online lending platforms
1, borrowed by ants
It is a subsidiary of Ant Group and has a strong brand background. Generally, people who make good use of flowers can easily get a loan amount, up to 200 thousand. Repayment can be divided into two types: equal monthly payment and interest repayment in advance. The longest repayment can be divided into 12 installments. You can choose from the "How to repay" column of the loan page.
2.JD.COM gold bars
It is tailor-made by JD Finance for JD.COM users. For friends who often shop in JD.COM, the amount is generally not low. According to feedback, most of them are 50,000 cases, with an upper limit of 200,000. There are three repayment methods: average principal, equal monthly payment and interest before principal. The longest installment number is 24, and the user turnover time is longer than usual.
Step 3 have money to spend
It is a credit service brand under Xiaoman Finance and a formal licensed loan platform. Interest is calculated on a daily basis, which can be borrowed for up to 65,438+0 years. There are two repayment methods: interest first, then principal and interest, and equal principal and interest, but you can't choose by yourself. Generally, the system will judge according to the user's comprehensive credit, and the installment method actually available on the loan page shall prevail.
4. Recruit good loans
Zhaolian Good Term Loan is an automatic credit loan product. 22-55 years old can apply, and the approval is fast. The longest loan can be divided into 24 periods.
5. Safe little orange blossom
Ping An Hewlett-Packard's new credit loan in 2020 attracted many people with extremely low interest rates. According to Laotie, the daily interest rate starts at 0.039%, that is, if you borrow 1 0,000 yuan, you only need to pay the interest of 3.9 yuan every day, and the loan period is very long, and you can borrow it for two years at the longest. Compared with other credit loans, the repayment pressure for handling small orange flowers is relatively small.
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6. Immediate financing
The maximum amount of immediate financial loan is 8,000 yuan, and the minimum monthly interest is 1.45%. The loan amount can be recycled and repaid with the loan. Of course, Instant Finance is also a licensed institution, so users don't have to worry about qualification.
7. Gome Easy Card
Gome Easy Card is a small loan product under Gome Finance, which is divided into online consumer finance and offline consumer finance. Products cover consumption by stages, cash withdrawal, provident fund loans and credit card services.
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360 security products have a simple loan platform with a daily interest rate of about 0.05%. The only drawback is that the amount is relatively low, only a few thousand dollars, but the next payment is easy, and most people have a quota.
9. Zhongyuan Consumer Finance
The online lending platform with high quota and low interest rate has obtained the formal financial license approved by the China Banking Regulatory Commission and is qualified for lending. The maximum amount is 200,000, and the maximum period is 3 years, which is suitable for office workers. The borrower is required to be at least 22-55 years old, the mobile phone number belongs to the country, and the household registration address of the ID card is not Hong Kong, Macao, Taiwan, Xinjiang or Guangxi.
10, music by stages
The loan approval speed is relatively fast, and the loan can be released in a few minutes at the earliest, and the one-time credit can be recycled. Applicant 18~40 years old, only need to provide the mobile phone number and password to authorize the ID card to be saved.
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.
Top ten conscience loan platforms
Everyone can get a loan in an emergency and then solve the urgent need, so borrowing has become a part of our life. However, most people don't know how to choose when borrowing money. Now let's introduce the top ten conscience loan platforms, namely Alipay, Du Xiaoman, Tencent, 360, Xiaomi Finance, Zhaolian Finance, Mashan Finance, JD.COM, 5 1 provident fund manager and installment music.
Introduction of Top Ten Loan Platforms
1, loans, consumption and online business loans through Alipay are all safe and reliable loan methods;
2. Du Xiaoman belongs to a loan platform owned by Baidu, mainly because he has money to spend and the loan is satisfactory. Their advantages are long installment time, low interest rate and relatively high loan amount;
3. Tencent's main business is micro-loan, but micro-loan belongs to the invitation system, and not everyone can use it;
The 360 loan of 4.360 is a more conscientious loan platform. As long as they are adults, they can borrow, and the loan amount is limited to less than 200,000;
5. Xiaomi Loan under Xiaomi Finance supports installment repayment and loan repayment;
6. China Merchants Finance's recruitment of good term loans is an old loan method and a formal platform for conscience;
7. Instant Finance's comfort flower is also very conscientious, and it is a formal platform for large companies to endorse;
8.JD。 COM's Jingdong Finance is also very conscientious, divided into white bars and gold bars, with different functions;
9.5 1 provident fund manager is mainly suitable for users who have paid the provident fund, and can provide provident fund, social security loans, and multi-release in the first instance;
10, installment music is also a loan platform and has a good reputation.
The above is the introduction of the top ten conscience loan platforms.
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.
Top 10 formal online lending platform.
10 formal online loan recognized by the state?
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.
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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.