Hello!
You can apply for a loan online. In fact, according to your own actual situation, you can consider the handling methods:
1. Through the Bank of official website.
Many banks have online banking. You can apply for a loan online by logging into online banking official website.
Take Ping An Bank as an example, the online processing method is: online registration application-telephone contact of loan specialist-submission of materials-lending after approval.
2. Handling through intermediary agencies.
For customers who don't know about loan products, I suggest you choose this method. The so-called intermediary lending platform means that such platforms have established cooperative relations with banks and formal lending institutions. Customers can consult first and then find suitable institutions and loan products, and then hand them over to banks or loan institutions for handling.
Taking Rong 360 as an example, the process of online personal loan application is: platform loan application-platform qualification investigation-recommendation institution-institution negotiation and successful loan signing.
3. Through the loan company.
At present, there are many loan companies in the market, such as CreditEase, Urgent Loan and Zhongan Credit. There are also a large number of loan companies in the name of guarantee and consultation. There are also some electronic financial institutions, such as the p2p-based Renren loan website. These institutions can also apply for loans.
However, it needs to be reminded that because there are a large number of fake scammers, phishing websites and loan companies on the Internet, and customers do not understand the qualifications and legality of such loan companies, they are likely to fall into the trap of scammers.
Can I apply for a loan online? What is the formal online lending process?
With the rapid development of the Internet, many things can be done directly online now, which brings great convenience to our lives. Then, can I apply for a loan online? What is the formal online lending process?
Can I apply for a loan online?
First, you can apply for a loan online. Among them, there are several ways to apply for loans online:
(1) Go through the official banking procedures: most banks have access to credit loans and personal loans in official website. We can fill in the application materials in official website, submit relevant materials as required, and wait for the bank's review.
(2) Handling through loan supermarkets: There are many loan intermediary platforms and many product entrances. We can download such a loan supermarket and apply for a loan on it.
(3) Apply directly in the loan company official website: Now many small loan companies have official website, and they can also apply for loans in official website.
However, there are too many now to believe them all. Be sure to find a regular company. Loan scam
What is the formal online lending process?
It is understood that the process of online lending is generally as follows:
(1) Seek suitable lending institutions. The first step of online lending is to find a suitable lending institution online.
(2) Apply for a loan through the webpage. Usually, formal lending institutions have special channels for applying for loans, and borrowers can apply for loans directly through this channel.
(3) The lender gets in touch with the borrower. After the lending institution receives the application, a business specialist will get in touch with the borrower, usually by phone or qq.
(4) The borrower goes to the salesman's work unit to have an interview on loan matters and discuss loan-related matters.
(5) The borrower and the borrower sign a loan agreement.
(6) Lending institutions issue loans.
(7) The borrower repays the loan as agreed in the contract.
The above contents are briefly introduced in view of whether online loans can be handled and the process of online loans. Among them, when lending online, we must pay attention to choosing a formal lending institution to avoid falling into the trap of scammers.
What are the online lending platforms that can be loaned?
Online lending platforms that can borrow money are:
1, money to spend.
2360 IOUs.
3.JD.COM gold bars.
4. Ctrip Finance.
5. Flower duck borrows money.
6. Consumer finance immediately.
7. White cat loan.
8. Central Plains consumer finance.
9. Alipay loans.
10, Suning Consumer Finance.
These platforms have corresponding credit loan products, and customers can choose their own operating applications. Of course, whether they can get the loan amount depends on the audit results of the system. The comprehensive qualification of customers needs to meet the requirements. The better the qualification, the higher the loan amount.
Although these lending institutions can apply for loans, they have higher requirements for customers' comprehensive qualifications, and they can't get loan quotas casually.
Even so, customers should choose genuine lending institutions as far as possible when applying for loans. Although their audit efforts are relatively strong, they can effectively prevent customers from encountering regular loans and will not be defrauded by illegal platforms.
What online lending platform can I borrow money from?
As we all know, the loan threshold of online lending platform is relatively low, so many friends will consider applying for online lending solutions when they encounter difficulties. However, online lending also has a threshold. If the borrower's comprehensive score does not meet the requirements of the lending platform, the loan will be rejected, so many friends will want to choose a low-threshold online lending platform. So which online lending platform is easier to borrow money from?
There are many online lending platforms on the market, and it is relatively easy to borrow from these lending platforms.
1. Sorry. Lending treasure is a credit loan product in Alipay. Users who open Lending Bao can find the entrance of Lending Bao through Alipay and click Apply for Loan. The loan funds can be directly distributed to the borrower's Alipay account or Alipay-bound bank card account. However, it is worth noting that borrowing money is currently opened through the official invitation system, and only invited users are eligible to borrow money.
2. Have money to spend. Money is the credit service platform of Dudu Finance. 18 non-school students can apply for a loan amount. The maximum loan amount is 200,000 yuan, and the minimum daily interest rate of the loan is 0.02%. Whether the loan amount can be successfully obtained is determined by the system according to the user's personal comprehensive situation.
In addition to borrowing money for consumption, JD.COM gold bars and other loans are relatively easy. Whether the loan can be successfully approved depends mainly on the personal qualifications of the borrower. If the personal qualifications are good enough, the loan pass rate will be high.
Some friends prefer to choose a low-threshold loan platform when choosing an online loan platform. Presumably, many friends have seen a platform claiming "100% compensation" and "black households can also compensate" on the Internet. For such platforms, please choose carefully, because formal loan platforms have their own risk control systems. Lending institutions will only provide loan services to borrowers if their personal qualifications meet the requirements of the platform. If there is really a 100% payment platform, imagine how much risk this platform needs to bear, which is not conducive to the long-term stable operation of the platform. Therefore, when choosing a loan platform, the most important thing is to choose a formal and reliable platform.
What are the online lending platforms
Now the internet is developed. In addition to traditional banks and loan companies, when people are in urgent need of funds to solve difficulties, they can borrow money conveniently through various online lending platforms, without mortgage, guarantee or face-to-face signing, just relying on personal data and relevant credit records. Online lending is fast and convenient, but various online lending platforms are mixed. Which is better?
I. lufax
The full name of lufax is Shanghai Lujiazui International Financial Assets Trading Market Co., Ltd., which was established on September 20 1 1. The registered capital of the company is 836.67 million yuan, and the online lending platform was officially launched on June 20 12. Lufax does. There is no doubt about its safety.
Second, Hongling Venture Capital
Hongling Venture Capital, the full name of Hongling Venture Capital E-commerce Co., Ltd., officially put into operation in March 2009, and has been focusing on Internet financial services for seven years. As of March 2, 2007, the number of registered people exceeded1440,000, and the total transaction amount exceeded 226.9 billion yuan. More than 40 provincial branches have been established in China, and Internet finance experience stores have been opened in major cities. As an Internet financial service platform established in China for more than 7 years, Hongling Venture Capital has always put the protection of investors' interests in the first place, and has developed rapidly in the industry with the pioneering principal first payment model, winning a good reputation from investors.
Third, Qian touts
Master Qian is a youth microfinance platform, which is mainly devoted to solving all kinds of microfinance needs of young people in their daily lives. Master Qian is an essential emergency wallet for young people in China. He specializes in the field of micro-credit for young people in Internet finance, and provides micro-credit loans with a short period of 1-3 months, 1, 000-5,000 yuan. Mr. Qian's small amount and short cycle have avoided the risk of large loans, and the loan business has been growing steadily since its establishment. At the same time, this kind of business well meets the emergency loan needs of young people aged 18-35. In addition, Master Qian is also the only non-P2P online lending platform in this recommendation list.
Fourth, everyone's loan.
Renren loan is an online lending platform with personal-to-personal microfinance as its main product. Renren loan is one of the earliest Internet-based P2P lending information intermediaries in China. Since its establishment in May, 20 10, Renren Loan has covered more than 2,000 regions in more than 30 provinces across the country, served hundreds of thousands of borrowers and successfully helped them obtain financing loans through credit applications.
What are the more formal online lending platforms?
Reliable loan platforms include: Ant Lending, JD.COM Gold Bar and Xiaoman Finance.
1, ants borrow it:
Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their journey to the Internet through the "Internet Propeller Plan" and providing inclusive finance services for small and micro enterprises and individual consumers.
Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
At present, the consumer loans issued by e-commerce giants are mainly aimed at the staged consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios are also starting.
2.JD.COM gold bars:
As a sub-brand of digital technology in JD.COM, JD Finance includes personal finance, corporate finance, financial technology and other sectors, and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs and increase revenue, and working with financial institutions to better serve individuals and corporate users.
So much for the introduction of online lending.