Which is the best online microfinance platform?
1, microfinance
Weizhong Bank is responsible for the operation, and the bank operates according to product compliance. The loan interest rate is mostly five ten thousandths, and within 24%, it is protected by the judiciary. The borrower is a whitelist user and can borrow money after obtaining the credit line. The qualification is good, and the whole process is approved by the system. You can receive the loan in a few minutes at the earliest.
2, the degree is small and full
Xiaoman Finance provides unsecured loan services, operates with a license, and has a Baidu financial background. The loan interest rate ranges from 0.02% to 24%. Its qualifications are formal and reliable. The borrower can borrow money by providing the mobile phone number of the real-name registration system+valid ID card+bank card, and the audit can be completed within 10 minutes at the earliest. After passing, the loan will be issued in real time.
3,360 IOUs
The network micro-loan platform under 360 is provided for the general public, with a maximum loan amount of 200,000, a minimum annualized comprehensive interest rate of 7.2% and a maximum installment period of 24 months. Support daily interest settlement, equal interest and other modes. The system will conduct online approval in real time, and the loan will be received in 5 minutes at the earliest after approval.
4.JD.COM gold bars
The personal consumption credit products under Jingdong Finance have a maximum loan amount of 200,000 yuan, a minimum annual interest rate of 9. 1%, and the longest installment period is 24 months. Support a variety of repayment methods, such as daily interest, equal monthly interest, interest first and principal later. Real-time online examination and approval, the fastest 10 second loan to the half-person bank card.
5. Comfortable flowers
Mom Consumer Finance Co., Ltd. launched a consumer loan product with revolving credit line, which can be borrowed online with ID card and bank card, and the annualized interest rate (simple interest) is 7.2%-24%. The specific interest rate is determined by comprehensive evaluation of the system. The higher the score, the lower the interest rate.
Can the online microfinance platform find credit information?
The formal online lending platform will check the credit report when borrowing money. This is because the platform is to confirm the credit status of customers. For customers with overdue credit records, the platform will think that the risk is relatively high, and thus the customer's loan application will be rejected.
In order to successfully apply for a loan on the online lending platform, in addition to the requirements of the credit report, the following aspects also need to meet the conditions of the platform:
1. Customers have stable income and sufficient repayment ability.
2. The debt ratio of customers should not be too high.
3. The customer's age should meet the requirements.
4. Customers need to have full capacity for civil conduct.
5. The customer has reasonable loan demand.
These are five better online microfinance platforms. You can choose a platform to apply for loans according to your own needs and carry out capital turnover.