Difference 1: the operation mode is different.
In P2P service, investors and borrowers cooperate directly online, while under the civil service line, investors and borrowers cooperate face to face online, which has geographical restrictions.
Difference 2: the nature of the company is different
In the whole lending relationship, the transaction of funds is only an intermediate relationship, which connects borrowers and investors and provides them with corresponding services. Private lending companies are different. Their main business is to provide all kinds of loans to attract the majority of borrowers to come to the loan.
Difference 3: different charges
The identity of the intermediary, so the amount of service fee is the highest, and private lending should be interest.
Difference 4: Different interest rates.
The lending funds for P2P investment and wealth management are all from investors, which is a person-to-person service, so the interest rate is relatively low; The loan funds of private lending companies are all from shareholders, so the interest rate is relatively high.
Second, what are the benefits of online loan consultation?
I asked a lot of questions about loans in the WeChat applet. For example, each bank has different requirements for lenders, some banks have strict requirements, and some banks have relatively loose requirements. If you don't know which bank's loan is more suitable for your own conditions, you can consult the WeChat search program. You can also download it from Baidu.
3. Today, a loan officer said that he was a Shenzhen Huichuang business information consulting company and could get a loan. I wonder if the credit is reliable?
If you have any difficulties, sit down with your relatives and friends. You can look around as much as possible and increase your trust in each other in the future.
It's better than giving interest to the net bag for nothing, and it's better than getting deeper and deeper in the future. If even the relatives and friends around you are unwilling to help you, how can these outsiders on the Internet be reliable? In fact, no matter what it is, as long as it asks you for money, password, verification code and password, or the other party asks you to log in some accounts provided by the other party on your mobile phone, or asks you to deposit money in the card submitted by your loan, it is absolutely unbelievable. If there is really no way, you can download online bag apps such as Suning Finance, Jiufu Wanka, Paipai Loan and Zhaolian Finance.
4. What are the main benefits of online lending?
Benefits of online loans
1, omitting the tedious steps of running bank consultation,
2. At the same time, many problems can be solved in advance by internet or telephone, which saves a lot of time.
3. Provide free pre-assessment service, and do not charge any fees before the loan is closed.
4. Moreover, the regulations of each bank are different, which enables many banks to improve the loan success rate to a certain extent.
In addition, customers will call more to communicate, so as long as they cooperate with customer service staff to communicate seriously and submit personal real information. Once the conditions are met, it is possible to get the money in a short time and solve the urgent need.