1, money to spend
Money flower is the original Baidu financial credit service brand. Its positioning is to provide personal consumer credit services for the public and create innovative consumer credit models, with strong background. Money can provide personal credit loan products such as all-easy loans and exclusive loans, which can meet the needs of most lenders.
Satisfied loans and exclusive loans with money are not low. The maximum amount of all-easy loans is 200,000 yuan, and the daily interest rate is 0.02% to 0.05% according to personal circumstances. There is no handling fee. The maximum amount of exclusive loan is 300,000 yuan, and the monthly interest rate is as low as 1.00%. After installment repayment, the repayment amount will be restored.
2. Ants borrow it
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 generally 0.02%-0.05%, which can be repaid with the loan. This product can choose to repay the interest first and then the principal.
3. Microfinance
Micro-loan is a pure online micro-credit revolving consumer loan product launched by domestic Weizhong Bank for WeChat users and mobile QQ users, which belongs to Internet company Tencent. Small loans charge interest on a daily basis. The daily interest rate varies from person to person, and the comprehensive loan interest rate is around 0.05%. After installment repayment, the repayment amount will not be recovered.
4. Recruit good loans
Good-term loan is a credit loan, which is an online personal consumption loan product launched by Zhaolian Consumer Finance Company. The loan amount of Zhilian Premium Term is 654.38 yuan+0,000-200,000 yuan. The line is valid for 3 years and can be recycled within 3 years. If it is not cost-effective to choose installment repayment, it is the repayment method of equal principal and interest, which is suitable for short-term turnover.
Extended data
Judgment of normal platform
1, application threshold
Usually, lending institutions will choose to distribute funds to eligible users to ensure that their funds can be recovered on time. It is unreasonable for an online lending platform with a very low threshold, such as ignoring black households and not needing sesame points.
Therefore, if you can give such a low application requirement, there must be other rewards, such as high interest, or simply a liar platform to defraud customers of information. Therefore, when choosing an online lending platform, you should choose a platform with normal requirements for users, and it is best not to apply if the requirements are too low.
2. Up-front expenses
The fees charged by formal lending institutions are only charged after the loan is successful, and there will be no fees before the loan is issued. However, there are many small loan platforms that charge users before lending through various means, but after everyone pays successfully, they may not be able to make the next payment.
3. Loan interest
The annual interest rate of private lending stipulated by the state cannot exceed 36%, and some borrowers who exceed 36% do not have to pay it back. Therefore, the loan interest of formal institutions is controlled within 36% of the annual interest rate, and the formality of the platform itself remains to be investigated, no matter what its name is.