The top ten formal online lending platforms recognized by the state are: 1 and Ping An Hewlett-Packard; 2. Jingdong Finance; 3. Suning Finance; 4. pat on the loan; 5. Microfinance; 6. borrow; 7. Xiaomi borrows money; 8,360 loans; 9. Have money to spend; 10, recruit a good term loan. Here are several online lending platforms (including the top ten online lending platforms).
Mashangdai
For users, through the mobile phone client app, they can apply for "borrow and return" anytime and anywhere without mortgage or guarantee, complete the approval and loan within three minutes at the earliest, and recover the credit line without face-to-face signing to realize instant consumption. The longest loan period can reach 24 periods. "Borrow and repay at once" mainly provides a loan amount of 1000~ 10000 yuan, with a maximum of 200,000 yuan for a single loan.
Ant, please.
Ant Borrowing is a credit loan product with a loan amount of 5-300,000 yuan, and the longest loan period can reach 1 year. The daily loan interest rate is between 0.02% and 0.05%, and the annual interest rate is between 7.2%- 18%. No matter whether you have a job or not, you can apply as long as your sesame credit score is above 600.
Quick loan
Fast loan is a personal online full-process self-service loan launched by China Construction Bank. Customers can apply for self-help, sign contracts online and approve in real time through CCB's electronic channels, while fast loans include fast e-loans, financing e-loans and pledge loans, among which fast e-loans have the lowest threshold. The loan amount for ordinary customers is between 1 1,000 yuan and 50,000 yuan, and the maximum loan amount for financial and private customers can reach 500,000 yuan.
petty loan
Users only need to bind the bank card, click "borrow money" with one click, and then the system will judge the personal credit situation within a few seconds and give a certain amount. And the user does not need any collateral, and can complete the loan online by filling in the information according to the corresponding prompts. The maximum loan is 200,000 yuan.
E Dai
E-loan is a personal online consumer loan launched by Bank of China, which has the characteristics of online application, second-speed approval, online withdrawal and flexible repayment. This product is a credit consumption loan for China Bank to provide high-quality customers with full-process online services by using the Internet and big data technology. The person who applies for a loan can only be a special guest of China Bank. The minimum loan amount is 5,000 yuan and the maximum is 300,000 yuan.
Suitable for borrowing money
It is a new consumer credit loan product launched by Alipay after Lending Bao. Borrowing money also requires binding sesame credit. Applicants need to achieve a sesame score of 670 or above to apply. The maximum loan amount is 200,000 yuan, and the minimum daily interest rate is three ten thousandths.
What are the legal online lending platforms?
At present, the 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, Youhuahua, 10 and Jiaohao.
First, the top ten legal online loans in 2020
1. Excuse me, Ante
2.360 IOUs
Have money to spend
4. Microfinance
5. Gome Easy Card
6. Ping An I Loan
7.JD.COM gold bars
8. Comfortable flowers
9. Living expenses of the American delegation
10. Zhilian Premium Loan
Second, introduce an online lending platform.
1. Excuse me, Ante
Maximum loan amount: 200,000 yuan
Ant borrowing is a service that Alipay withdraws from, and it is a relatively formal online lending platform. As long as Alipay sesame score is above 600, it is very convenient to borrow money from ants.
2.360 IOUs
Maximum loan amount: 200,000 yuan
360 also launched a loan service, people can make formal loans, and 360 loan is one of the top ten formal online loans in 2020. Its threshold is very low and its collection speed is very fast, which can meet the needs of many people.
Have money to spend
Maximum loan amount: 300,000 yuan
This is a loan platform owned by Baidu. There are many different loan businesses that can meet the different loan needs of different groups of people. Not only the amount is relatively high, but also the interest is low. It is more flexible to borrow money or pay back money.
4. Microfinance
Maximum loan amount: 300,000 yuan
Micro-credit mainly adopts the invitation system, which means that not everyone is eligible for loans, and only a small number of people can borrow on it every year. The loan interest of this platform is calculated on a daily basis, and the general comprehensive interest rate is around 0.05%.
What platforms are there for credit loans?
The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, JD.COM Jinmin Piman Finance, Suning Finance, Ping An Hewlett-Packard, Microfinance, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.
The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.
1. Have money to spend: The credit production bridge module under Du Xiaoman Finance is a formal and reliable loan platform, in which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.
2. Credit loan
The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.
If there is a capital turnover demand, I recommend that you spend less than full, that is, the original Baidu Finance completed the split on 20 18 and realized independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and high technical support.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
What are the more formal online lending platforms?
Formal lending platforms are:
First, Qianhua: Qianhua is a credit service product under Baidu, which has a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 200,000 yuan, 1 10,000 yuan loan 1 annual average daily interest 1. 1 yuan. The better the credit, the lower the interest rate.
Second, Lending Bao: Lending Bao is a pure credit loan product launched by Alipay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users. Ordinary users can only apply for opening if the sesame score is above 600. According to sesame score, the loan amount is10-300,000, the lowest daily interest rate is 0.02%, and the loan term is 12. It has always been a conscience loan.
3. Return: Shanghai Jihe Information Technology was established on 20 15 and returned the products on 20 16. The major shareholder is Focus Media listed company (stock code: 002027), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.
4. Micro-loan: Weizhong Bank is the first Internet bank under Tencent. Its products include micro-loan and micro-car loan, and it is committed to providing fast financial services for small businesses and individual consumer groups.
Verb (abbreviation of verb) Paipai Loan: Paipai Loan was established in 2007 and is a p2p financial platform listed on the New York Stock Exchange. Auction loan products are mainly divided into batch bidding and rainbow bidding. At present, credit loans are provided to users, with a maximum loan amount of 200,000 yuan and a monthly loan interest rate of about 1%. Users can choose appropriate loan products according to their own needs.