There are many loan platforms in the market, and people can apply for borrowing money. Each loan platform has its own characteristics and audience. If we want to make statistics and ranking on these loan platforms, it is indeed a relatively huge project. Tongcheng Jun spent a few days taking stock of the top ten conscience loan platforms for everyone, with a maximum loan amount of 500,000. Let's have a look!
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Top ten conscience loan platforms
1, the degree is small and complete.
Xiaoman is a small loan product under Baidu Finance. Hold the financial license issued by China Banking and Insurance Regulatory Commission, and have the qualification of private lending. Users can choose their own loan products at will, and then make loans. Xiaoman's minimum daily interest rate is 0.02%, and he is online all the time and supports borrowing and returning.
2360 IOUs
360 IOUs are licensed institutions with a maximum loan amount of 200,000. The age of the borrower is required to be between 18-55 years old, and it is temporarily closed to college students. If you want to apply for a loan in 360, the borrower's personal credit information must not have serious credit stains, and the debt ratio must not exceed 50% of personal income.
3. Didi loan
Didi Loan is a small loan product under Didi Finance. Adhere to regular licensed operation, and cooperate with many licensed and compliant financial institutions such as domestic commercial banks and consumer companies to provide lending services to users. Didi loan can provide users with a loan amount of up to 200,000 yuan, which can be repaid with the loan.
4.JD.COM gold bars
JD.COM Gold Bar is a personal consumption loan product under Jingdong Finance. Users can choose to apply directly in the personal center of JD.COM APP, or download Jingdong Finance. The maximum loan amount that JD.COM Gold Bar can provide to users is 200,000 yuan, which can be approved in real time and received in one minute at the earliest.
5. Doudou money
Doudou Money is a small loan product owned by Weixin Technology. At present, the maximum loan amount available to users is 50,000 yuan, and the minimum loan amount is 3,000 yuan. The minimum annual interest rate of Doudou Money is 13%, which is equivalent to the minimum monthly interest rate of 0.65%.
6. point e loan
E-point loan is a personal credit product launched by Yin Bei Consumer Finance Company. The amount that users can borrow is between 1, 000-50,000 yuan. Support users to borrow and return, with a minimum daily interest rate of 0.03%. E-point loan threshold is not high, but Xinjiang, Qinghai and three regions have not yet been opened.
7. White Cat Loan
White Cat Loan is a credit product launched by Guangzhou Du Zhi Internet Co., Ltd. The loan amount is 50-40,000, the loan service period is 3- 12 months, and the daily loan interest rate is 0.05%. Due to certain geographical restrictions, Ningxia, Inner Mongolia and Xinjiang are not supported for the time being.
8. Ping An I Loan
Ping An I Loan is a small loan product under Ping An Pratt & Whitney. One of its advantages is low application threshold, high quota and fast payment. Support users to borrow and return, with daily interest, and the minimum daily interest rate is 0.05%. The minimum loan amount is 2,000 yuan and the maximum loan amount is 500,000 yuan.
9. Zhong 'an Small Loan
Zhongan Small Loan can provide users with a maximum loan amount of 200,000 yuan, with a minimum daily interest rate of 0.02%. Of course, it is also a licensed institution. Zhongan small loan requires users to have no serious credit stains. As long as their monthly salary exceeds 2000 yuan, they can apply for a quota of around 1 000- 1 000 yuan.
10, comfortable flowers
Anyihua is a small loan product of Instant Consumer Finance. The interest rate of the licensed institution is strictly controlled within the statutory scope, with a maximum loan amount of 50,000 yuan. As long as the user's sesame score exceeds 620 points, he can generally borrow about 5,000 yuan.
What platforms are there for large loans? These five platforms meet your needs.
There are three kinds of loan channels in the market, one is bank loan, the other is private lending, and the other is some special loans. For many borrowers, compared with bank loans and special loans, there are more opportunities to contact private lending in daily life. What platforms are there for large loans? These five platforms can meet everyone's needs!
What platforms are there for large loans?
1, Zhongyuan Consumer Finance
Zhongyuan Consumer Finance is a national licensed lending institution approved by China Banking and Insurance Regulatory Commission. Users can apply for loans in Zhongyuan Consumer Finance, with a minimum loan of 1 1,000 yuan and a maximum loan amount of 200,000 yuan. At present, the Central Plains consumer finance does not require high user qualifications. After the user's loan application is approved, the loan can be completed in 5 minutes at the earliest.
2.JD.COM gold bars
Gold bars are small loan products under Jingdong Finance. JD.COM users can apply directly on the page of JD.COM Mall-Personal Center. Gold bars do not require high qualifications for users, and users can apply for a credit line of up to 200,000 yuan.
Step 3 borrow flowers
Borrowing flowers is a loan platform under Ctrip, and the lenders are mostly third-party financial companies or banks. At present, the maximum credit line that can be provided to users by borrowing flowers is 200,000 yuan, and the minimum is from 500 yuan. Users can choose 36 repayment periods when applying for a loan, that is, three years. After the user's loan application is approved, the loan can be released in 2 minutes at the earliest.
4. Recruit good loans
Zhaolian Good Term Loan is a micro-credit product of Zhaolian Consumer Finance Company. At present, the maximum credit line that can be granted to users is 200,000, and the minimum loan starts from 500 yuan. Recruiting a good term loan to cooperate with WeChat platform, users can apply for a loan directly in WeChat official account, which is convenient and fast.
5. All-Easy Loan
Iman Loan is a personal micro-credit product under the banner of Baidu Huahua, which supports repayment with the loan and daily interest. If the user repays the loan in advance, Iman Loan will not charge interest. Users who want to apply for an all-easy loan, in addition to WeChat, also need to be registered users of Baidu, at least 18 years old.
The above is the sharing of "what platforms are there for large loans", and I hope it will help everyone!
Where is the most reliable direct payment for large loans?
Ping An Pratt & Whitney's large loan is the most reliable and arrived on the same day. Ping An Pratt & Whitney launched a long-term large-scale credit loan with a maximum amount of 300,000 and a maximum loan period of 3 years. The threshold is relatively low. The borrower is 23-55 years old. He can apply for a loan after providing his valid ID card and real-name registration system mobile phone number. The loan can arrive on the same day at the earliest.
1. How should Ping An Good Loan and Ping An Hewlett-Packard choose?
Ping An Good Loan and Ping An Hewlett-Packard are both brands of Ping An Group, with reliable background and strong financial support. However, they belong to different subsidiaries. * * * Similarly, their loan quotas are all 654.38+0-500,000 yuan, and they meet the requirements, and they can enjoy a faster lending speed after the application is passed. In fact, Ping An Good Loan has attracted a lot of attention since it was launched. The direct loan from Ping An Bank does not require too many complicated procedures, and the handling fee and interest are relatively low, so it has been well received. It is also convenient to apply for a safe and good loan. The whole process only needs to go to the bank to handle the business once and sign a contract. Therefore, Ping An Good Loan and Ping An Hewlett-Packard have their own characteristics and advantages in loan services. Users can make targeted choices according to their own needs. After all, what suits you will be good.
2. Ping An Pratt & Whitney loan has not been available. What should I do?
1, penalty interest and liquidated damages. If the loan is not repaid, the first thing you encounter is a high penalty interest. Some financial institutions need you to pay liquidated damages on the basis of penalty interest. These expenses add up to a lot of money.
2. Credit damage. If you borrow money from the bank and fail to pay it back within the time limit, your personal credit report will be stained, and it will be more difficult to apply for credit cards and loans in the future. Even if the company is not included in the credit report, there is a "blacklist" system that * * * enjoys in the circle. If a company does not pay back, it will be difficult to approve other loans.
3. Collect in various ways. Banks and small loan companies have their own collection systems.
4. Being frozen, assets may be frozen. Financial institutions will also arm themselves with laws. If you don't pay back the arrears, if the amount is relatively large, you will be paid.
Ping An Pratt & Whitney Loan is expected to have an annualized interest rate of 10.7%, which is a loan platform with high interest rate.
What are the large loan platforms?
Not only that, large loans are also a hot spot that many friends care about. Especially for many friends who do business and start businesses, they need a lot of money, so a large loan platform will be a good choice. What are the large loan platforms? Summarized eight large loan apps for everyone.
1, lightning loan from China Merchants Bank
This is a bank-based credit loan. You can apply directly in China Merchants Bank's mobile banking without mortgage guarantee, but generally only high-quality customers can obtain the qualification of lightning loan, with a maximum amount of 300,000, but it can only be used for personal consumption purposes such as car purchase, decoration, shopping and tourism.
2. BOC Easy Loan
Only specially invited customers of China Bank can apply for pure credit consumption loans from China Bank. Bank of China will provide customers with credit by using Internet and big data technology, with a loan amount of 5,000 yuan and a maximum of 300,000 yuan. It can only be used for personal consumption, and funds cannot be used for real estate, investment and other fields.
3. CCB Express Loan:
The pure credit loans of CCB can be divided into fast e-loans, financing e-loans and pledge loans. Invited customers can apply for self-help through CCB electronic channels, sign contracts online and approve in real time. Ordinary customers can get up to 50 thousand yuan, and the maximum loan amount for financial and private customers can reach 500 thousand yuan.
4. Sorry
The maximum loan amount is 300,000 yuan, generally around1~ 30,000 yuan, and the daily interest rate is. If the sesame credit score is 600 points, you will have the opportunity to be invited by the system to open it, and you can cycle the loan within the credit limit, but each application needs to re-evaluate the borrower.
The above is the introduction of the 10,000 yuan loan platform. Interested friends can download the APP application.
How to handle a large personal loan?
The process of applying for personal loan
1, customer application
Fill in the loan application form as required.
2. Materials submitted by customers
The applicant's identification materials, including valid ID card, residence booklet and residence certificate. If you have a spouse, you should also provide a marriage certificate, a spouse's identity card and relevant identification materials.
Step 3 review
① Whether the materials submitted by the customer are complete, whether the official seal affixed is clear, whether the name of the loan enterprise is consistent with the business license, and whether the materials are complete, legal, standardized, true and effective.
② Whether the currency, term, amount, guarantee method and loan purpose of the credit business are consistent with the contents of the negotiation.
③ Whether the application purpose, term, amount, guarantee method and basic information of entrusted agent of credit business are consistent with the resolutions of the shareholders' meeting or the board of directors. Whether the signatories of relevant resolutions comply with the articles of association and organizational documents.
(4) valid certificates such as business licenses that have passed the annual examination.
(5) review the mortgage or guarantee materials, whether the collateral is sufficient, and whether the guarantor has the ability to guarantee in full. After the customer's application materials are audited, if the materials are incomplete, the agent shall return the application materials to the customer and make explanations.
4. Credit evaluation
① The overall credit status of customers, including the credit status of the People's Bank of China and social credit status.
(2) Assets and liabilities, real estate situation
③ Whether the loan purpose and repayment source are reliable.
④ Whether mortgage or guarantee is feasible.
Step 5 agree
6. Implement pre-loan conditions
7. Sign contracts, including guarantee or mortgage contracts.
Step 8 support
9. Credit registration
10, accounting
1 1. Post-loan inspection
12, loan recovery
Extended data:
I. Personal loan conditions
1, at least 25 years old, with full capacity for civil conduct and permanent residence or valid residence certificate in China.
2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.
3. Good credit record and no bad credit record.
4. It can provide legal and effective guarantee recognized by the bank.
Second, the classification of personal loans
1, personal automobile consumption loan
2. Personal durable consumer goods loans
3. Personal commercial loans
4. Personal valuable documents
5. Personal microfinance
Personal micro-credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount generally does not exceed 1-200,000, and the loan term varies from1-2 years.
6. Personal non-residential mortgage loan