abstract:
Online lending, also known as p2p online lending. P2p is the abbreviation of English peertopeer, which means "person to person". Peer-to-peer lending refers to the direct lending between individuals through the Internet platform. There are many online lending platforms, large and small. In the past year, there were also many informal platforms running, which made people have some concerns when investing. 20 18 which online lending platforms are more reliable? What are the most reliable online lending platforms? Let's get to know each other.
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The best online lending platform
According to my experience, 20 18 10 has the following ten most reliable online lending platforms!
1, pleasant loan. Pleasant loan is a leading financial technology platform in China, which was launched by CreditEase on 20 12. Pleasant loan provides efficient, convenient and personalized credit loan consulting services for high-quality urban white-collar workers in China through technology-driven financial innovation; Provide safe and professional online wealth management services for wealthy people through "Happy Wealth".
2.lufax。 Lufax, whose full name is Shanghai Lujiazui International Financial Assets Trading Market Co., Ltd., is the world's leading Internet wealth management platform and a member of Ping An Group. It was incorporated in Shanghai on September 20 1 1 with a registered capital of 837 million yuan, located in Lujiazui, Shanghai, an international financial center.
3, everyone's loan. Renren Credit Business Consultant (Beijing) Co., Ltd. (hereinafter referred to as "Renren Credit"), established on 20 10, is a professional information intermediary service platform for P2P lending under Renren Credit. As one of the earliest peer-to-peer lending information intermediary service platforms in China, Renren Lending Platform is committed to providing professional online credit and loan matching services for high-growth people.
4. Micro-loan network. The micro-loan network was launched on July 8, 20 1 1. As the forerunner of "Internet auto finance" in China, micro-loan network has created a standardized development model of vertical auto loan market and provided one-stop financial services for small and medium-sized enterprises and individual users.
5. pat on the loan. Paipai Loan was established in June 2007. The full name of the company is "Shanghai Paipai Loan Financial Information Service Co., Ltd.". Headquartered in Shanghai, an international financial center, it is a network information lending platform.
6. Point to the network. Point melting. Com (now officially renamed Dianrong) is an Internet lending information service intermediary company, providing innovative financial technology solutions for the China market, focusing on Internet lending information intermediary services. 20 12 was founded by SoulHtite, co-founder and former technical president of LendingClub, and Guo Yuhang, a Shanghai lawyer and private equity partner, and is headquartered in Huangpu District, Shanghai.
7. Group loan network. Tuandai.com was established on 20 1 1 and officially put into operation on 20 12. It is a peer-to-peer lending information intermediary service platform dedicated to helping small and micro enterprises. At present, the main operator of the group loan network is Dongguan Group Loan Network Internet Technology Service Co., Ltd., which is committed to providing high-quality services such as information collection, information release, information exchange and loan matching for both borrowers and borrowers.
8. Which net to vote for. Tuna Com was officially launched on 20 13. It is an information intermediary platform for peer-to-peer lending under Shenzhen Wangjin Financial Information Service Co., Ltd. (operated by Shenzhen Tuna Financial Service Co., Ltd.), focusing on the field of internet auto finance and ranking first in the industry.
9.Yiyin.com. One sound. Com, an information intermediary platform in P2P lending. 20 14 was invested by Softbank China Capital (SBCVC). Adhering to the operating principles of transparency, professionalism and temperature, the platform provides information collection, information release, credit evaluation, information exchange, loan matching and other services for both borrowers and borrowers, so as to realize direct lending.
10, favorable network. The main operator of the favorable network platform is Beijing Honghe Baiji Financial Information Service Co., Ltd. (hereinafter referred to as "favorable network"), which was established on May 3, 2002, with a registered capital of 50 million yuan and paid-in capital of 50 million yuan.
Review the simplest loan app.
1. Cai Xi loan application is a mobile loan application, which can recommend loan opening. Whether you are an office worker, a self-employed person, or a person without a fixed occupation, you can find a hole that is easy to review from the Cai Xi Loan APP, and usually you can get a loan on the same day.
2. For friends with high sesame scores, salary is a loan APP that is easy to review. The amount of paid loans can reach 3,000 yuan, and the term cannot exceed 30 days or less than 7 days. Fortunately, wages do not check credit information, nor do they go to credit information.
3. For friends with credit cards, Goodwill Letter is an easy-to-review mobile loan APP. The amount can reach 10000 yuan, and the term is generally 30 days. You can pay the same day without mortgage guarantee. Like the value of goods, a good person and a good letter will also check the credit information and go to the credit information.
4. Qianzhan is also an easy-to-review loan APP, which has a great reputation in the credit industry. However, money stations only provide loans to people with good credit. The loanable amount of this loan is between 65,438+0,000-65,438+0,000,000 yuan, the monthly interest rate is no more than 0.95%, and the term is 3-36 months.
If you want to start investing in online loans yourself, you must first learn to investigate and judge whether an online loan platform is reliable. The last thing to emphasize is that investment is risky and you need to be cautious when entering the market!
What are the apps with low loan thresholds?
Generally, loans through app and low threshold are credit loans. It is divided into three levels: bank app, domestic large-scale Internet company financial app, and ordinary p2p loan app.
1, bank app:
The threshold is the highest among these three categories, which requires a certain qualification examination.
At present, the rooster loan of Hangzhou Bank app, the credit loan of Hello Bank app (Nanjing Bank) and Wan Li Jindu of Huitong Life Insurance (Bank of Ningbo) are all relatively low-cost and very easy-to-use loans.
In addition, ICBC's e-loan interest rate is the lowest, but it is also the highest threshold. If you are a civil servant, you can try.
2. Financial applications of large Internet companies:
Micro-loans in WeChat are reviewed according to personal circumstances, generally more than 65,438+10,000 yuan, and the interest rate is around 14000.
Alipay's flower buds, the amount should not be high, the threshold is very low, almost everyone has them, but the security is the highest.
JD.COM gold bars of JD Finance, willful loans and upgraded loans of Suning have low thresholds.
Xiaomi loan and 360 loan can also be recommended.
3. Other ordinary p2p loan apps
The thresholds of apps such as Jiufuwanka and Yixin are uneven and not high. They can be used in an emergency and are not recommended for long-term use.
Extended data:
Credit status quo
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee.
For a long time, this kind of credit loan has been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk.
Credit loan business is mainly handled by banks, loan companies and electronic financial institutions.
Banks with credit loan products in China include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.
Credit loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%.
Some loan companies are well known. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items. The actual loan cost is much higher than the interest rate advertised.
Credit loan of guarantee company is a credit loan provided by guarantee company to customers through bank lending. Generally, it can reach up to 300,000 yuan, and the charging mode is bank loan interest plus guarantee fee of guarantee company.
Formal guarantee companies only charge a certain percentage of guarantee fees and will not charge interest, which is also a standard to distinguish whether guarantee companies are formal or not.
P2P loan financing platform, the amount is not too high, and the speed is between loan companies and banks. Its characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rate is uncertain.
Reference source: Baidu Encyclopedia-Credit Loan
What apps are there for mortgage loans?
Micro-loan network APP. Apart from Bank of Communications and Bank of China, there are few real estate mortgage loans. Most other banks can provide mortgage loans, such as China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, Chongqing Rural Commercial Bank and China Postal Savings Bank. However, major banks have different requirements on the conditions, execution interest rate and loan life of real estate mortgage loans, so they should consider their own suitable loan varieties and repayment pressure when choosing loans. Mao Sen Guarantee is an institution that cooperates directly with banks.
1. Microfinance Network
Micro-loan online was launched in July of 20 1 1, and it is one of the earliest online lending platforms in China. At first, the platform model was similar to auction loan (pure online credit loan), and later it turned to chattel mortgage loan, and expanded the service network by joining offline. Last year, the micro-loan network launched the "Five-year Hundred Stores" plan, and strived to open 100 offline outlets nationwide by 20 17. At present, this goal has been achieved by about 30%.
2. Good car loan Car loan is an investment and financing financial service platform that provides mortgage, pledge loan and car loan financing services for car owners. The online platform was established on 20 14. Although it belongs to a young platform, the professional strength of good car loans cannot be underestimated. 20 15 is invested by Shenzhen qianhai zhongdaxin asset management co., ltd.10 million USD, which is one of the top 100 brands of internet finance. At present, the main products are good car loans, financial links, bank-enterprise links, rental treasures and so on. The investment amount of good car loan project is very small, which is very suitable for small and medium investors.
3. Worry-free car loan Worry-free car loan is an innovative Internet car finance platform independently developed and operated on the basis of worry-free original car loan business in the future. Relying on the model of "Internet financial car", we are committed to building a standardized, safe, transparent and honest Internet financial information intermediary service platform, providing investors with low-risk and high-return investment products and creating value for every penny; Provide low-cost and efficient financing services for those who need funds, so that microfinance is no longer difficult.
What are the platforms in automobile mortgage?
1.58 car loan APP: 58 car loan APP is a P2P lending platform in automobile mortgage. 58 Car loan adopts cautious and professional evaluation method, unique comprehensive credit evaluation system and powerful risk control means, and the accumulated loan amount exceeds 50 million yuan to maintain zero non-performing rate.
2. Car second loan APP: Car second loan APP is a car loan APP launched by Ali. The car second loan APP allows car buyers to submit loan applications online on their mobile phones, and the credit line of the loan can be known within half an hour.
3. the first car loan APP: car loan number. 1 is an auto loan APP developed by Shanghai Fengzhixing Auto Finance Co., Ltd., which is aimed at users with loan needs who obtain credit from their company and provide intermediary services. Investors can invest through the mobile phone client and enjoy the fun brought by investment and financial management anytime and anywhere.
4. Bee Easy Car Loan APP: Bee Easy Car Loan is the leading p2p lending platform in China, providing users with fast and high-quality financial services and helping quality life. The loan is fast, saves money and effort, and is privately customized, safe and reliable.
5. Yixin car loan APP: Yixin car loan mainly provides new car loans, used car loans, car owner loans, car rental, auto insurance and other products and services. In addition to cooperating with many financial institutions, it also has CreditEase's self-operated business, providing a wealth of auto finance products and services.
6. Cheyi Loan APP: Cheyi Loan focuses on auto loans. For investors, car loan business is a safe lending business, which has the characteristics of small amount, dispersion, mortgage and quick realization. Through a mature business model and a perfect market,
So much for the introduction of p2p loan software.