Cheap loan software

The top ten conscience lending platforms have low interest rates.

1, ICBC wealth management e-loan

ICBC Financial E-loan was launched by Industrial and Commercial Bank of China. The annual interest rate of the loan is updated monthly with LPR, and the minimum annual interest rate is 0.5% of LPR, which can be said to be very low and quite reliable.

2. China Post Consumer Finance Plus Postal Loan

China Post's consumer finance was initiated by China Postal Savings Bank, with a reliable bank background, and the annualized interest rate pricing range was 10.8%-23.76%.

3. Safe little orange blossom

Ping An Xiaojuhua is a loan product of Ping An consumer finance, and it is also a regular licensed institution with a background of Ping An Bank. Annualized interest rate 14%-24%.

4. Microfinance

Tencent's micro-loan has been well known to the public and its brand is reliable. The daily interest rate ranges from 0.02% to 0.05%, and generally qualified users get an interest rate of about 0.03%.

5. Sorry

Borrow Bai is a subsidiary of Ant Group, and its strength is undoubtedly natural and reliable. From Alipay official entry, the daily interest rate ranges from 0.015% to 0.06%. According to feedback from most netizens, the real interest rate is 0.035%-0.04%.

6.JD.COM gold bars

JD.COM Gold Bar is a subsidiary of Jingdong Finance, with reliable background strength. The annualized interest rate is as low as 9. 1%, and the daily interest rate is as low as 0.0 19%.

7. Have money to spend

Qianhua is owned by Baidu Finance, a former subsidiary of Xiaoman Finance, and its brand is reliable. The annualized interest rate is as low as 7.2%, and the daily interest rate is 0.02%.

8360 IOUs

360 IOUs belong to 360 finance department, 1 0,000 yuan loan 1 year. The daily interest rate is as low as 1 cent, and the annualized comprehensive interest rate is as low as 7.2%. It is also a low-interest and reliable online lending platform.

9. Comfortable flowers

Comfortable flowers will be launched immediately with a formal license, with a minimum daily interest rate of 0.02%. It is understood that the maximum daily interest rate does not exceed 0.0483%, and the interest rate is already very low.

10, Didi loan

Didi Loan is a loan product provided by Didi Finance, which is based on Didi's behavior. The daily interest rate is the lowest 1.2, and the annualized interest rate is as low as 7.3%.

Is there a formal loan platform with low interest rates?

Regular bank loans with low interest rates;

1, e-loan for industrial and commercial finance

China Industrial and Commercial Bank, one of the four state-owned banks, has launched this kind of electronic loan with very low interest rate. Many people can borrow at an annualized interest rate of less than 5% for two years, and eligible borrowers can apply by themselves through mobile banking and other channels.

2. China Merchants Bank lightning loan

China Merchants Bank launched a large unsecured credit loan with low interest rate, with a minimum daily interest rate of 0.0 18%. Borrowers who hold a one-card savings card of China Merchants Bank, who are over 23-60 years old, have stable repayment ability and good credit, can apply.

3. CITIC Credit Seconds Loan

If the borrower is a payroll customer, a provident fund deposit customer or a mortgage customer of CITIC Bank, he can apply for this kind of second-credit loan without mortgage guarantee, and the annualized interest rate is as low as 4.35% ~ 15.68%, and the bank will make specific pricing according to the user's credit score.

4. Shanghai Pudong Development Bank pointed out that loans

Shanghai Pudong Development Bank launched online self-help personal credit loans for qualified customers. The loan interest rate is between 3.6%- 10%, and the loan term is up to 5 years. The borrower is over 20 years old, with stable income and good credit, and can try to apply for provident fund for more than 6 months.

5. Fast loan from China Construction Bank

This kind of quick loan has a low interest rate, which is generally around 4.5%. Moreover, the quota is high, so as long as you buy wealth management products in CCB, you have a greater chance of obtaining the approval of the quota. Log in to the mobile banking of China Construction Bank and click Quick Loan to apply. It is also very convenient.

What are the low interest rates of online lending platforms?

The following lending platforms have lower interest rates:

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.

What are the loan platforms with lower interest rates?

Official guarantee platform with low loan interest:

1, 360 to borrow money

A pure credit mobile phone loan under 360 Finance, 360 began to set foot in the financial industry in recent years. The feature of this small loan APP is that the next payment is very fast. If you need money badly, you are right to choose this product. However, the interest rate is high, and the cost should be calculated before applying.

2. Recruit good loans

Zhaolian Good Term Loan is a loan platform of Zhaolian Finance, with a quota of less than 200,000. You don't need to provide mortgage and guarantee, you can apply for sesame seeds. Zhaolian good-term loan has the dual background of China Unicom and China Merchants Bank, and its reliability is still very high.

Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.

Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Spend a little money-pay special attention if you have money:

1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.

2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.

After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.

My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.

360 IOUs, with a maximum loan of 200,000!

Click online measurement

There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.

3.JD.COM gold bars

A product with the same name as Bai Jie is a cash loan service customized by Jingdong Finance for users, but not everyone has it. Only after passing the system evaluation can they apply. If they are not eligible to apply, the page will display "unable to provide services for you".

5. Suning's willful loan

A loan product of Suning is used in a wide range of scenarios, such as shopping, tourism and education. There are two repayment methods: active repayment and automatic withholding. It is worth noting that Suning's willful loan does not have APP products. Remember not to find the wrong product!

Which platform has low loan interest?

Here are a few platforms that are easy to pass with low interest in loan forms. It is recommended to choose carefully:

1 and 360 IOUs are personal and microfinance platforms under the umbrella of Fuzhou Sanliuling Network Co., Ltd. Relying on the advanced Internet security technology and big data technology of 360 Technology Group, and based on massive user credit data and behavior data, it is committed to improving the domestic personal credit information system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient consumer loan financial services for all social groups with financing needs. Borrow from 500 yuan, up to 200,000 yuan, and cash will arrive in seconds. The daily interest rate of the loan is at least 0.027%, and the daily interest rate of 1 0,000 yuan is only 27 cents.

2. The province is developed and operated by Shenzhen Samoyed Internet Financial Services Co., Ltd., and insists on "not doing" as the product bottom line, providing high-quality and low-interest billing installment services for young people. Sources of funds: Yin Bei Consumer Finance, Harbin Consumer Finance, Zhongbang Bank, Haier Consumer Finance, CITIC baixin bank, etc. We will recommend appropriate formal financial institutions to provide loan lines according to your personal situation, so as to make safe funds more secure!

3. Zhongan Small Loan is an unsecured pure online consumer credit platform launched by Chongqing Zhongan Co., Ltd., focusing on providing instant loan services for individuals and small and micro business owners. Based on mature and professional risk control ability, the overall evaluation of customer credit is carried out. The upper limit of three-step loan is as high as 200 thousand, and the loan is released within 5 seconds on average.

4. "Qianhua" is the brand of Xiaoman's financial credit service. It uses artificial intelligence and big data risk control technology to provide users with convenient, fast and safe loan services. 1. High loan amount: the maximum loan amount can reach 200,000 yuan (subject to actual approval). 2. Fast loan approval: online application, quick approval and quick receipt. 3. Transparent interest rate and flexible repayment: the daily interest rate of the loan starts from 0.02%, and various repayment channels are supported.

5. Staged music is a staged consumption platform under Lexin, which advocates young people's moderate consumption. With products and services that are more understanding of young people, more secure and warmer, it has become a reliable choice for 654.38 billion users to shop by stages. Shopping by installment: China Bank is authentic, and the quality is guaranteed. High-quality experience: the installment period is flexible, and credit cards can be supported. Safety: Bank-level risk control team escorts. Anxin loan: the cost is transparent, and the comprehensive annualized cost is as low as 10%.

6, JD.COM gold bar loan service, moderate consumption to open credit life. JD.COM Gold Bar is a cash lending service tailored for users with good credit in JD.COM. The maximum loan is 200,000 yuan, and the daily interest rate is about 0.05% with reference to the daily interest rate (annual interest rate 18.25%). It usually takes 30 minutes to receive it.

7. Lexiang Loan provides users with professional, intelligent, safe and convenient cash loans. You can complete the loan application online with your ID card, and the loan can be released in 5 minutes at the earliest! According to the actual situation of users, provide a loan line of 20W! The daily interest rate is as low as 0.02%.