Which platform is better than borrowing money by car?
1, Easy Credit Owner Loan
CreditEase car owner loan is a kind of car owner loan product that does not accept cars and licenses. Automobile mortgage is launched by CreditEase Group for car owners. Total amount 1 10,000, nationwide coverage, instant online approval. You can choose 12/24/36 installment payment. The applicant is a citizen of Chinese mainland, China, aged 65,438+08-60, and I am not registered.
2. Safe car owner loan
Ping An Car Owner Loan is a vehicle mortgage loan service platform under Ping An Bank Group, and it is one of the more reliable car owner loans on the market at present. You can apply with a policy, with a credit limit of 300,000-500,000. Official website offers the lowest annualized rate of 10.8%, and the longest loan period is 3 years.
3. China Auto Flash Loan
Shenzhou car flash loan is a well-known car owner loan. You don't have to take a car to apply for a loan. They are all powerful mortgage car loan platforms. Driving loan is not delayed. The maximum loan amount can reach 90% of the vehicle, and the minimum monthly interest rate is 0.49%. It is usually paid off in three years. After the approval, it will arrive in a few hours.
4. Wanda Pratt & Whitney-Driver Credit Loan
Wanda plaza Group's comprehensive car mortgage service platform is mainly aimed at car loan products of car owners. At present, the credit line is more than 50 thousand yuan. You can choose 12/ 18/24 installment payment. You can apply for a non-operating vehicle that has been in the household for more than one year, and you can verify your driving license and driver's license. Still a good car loan product, you can apply.
5. JD.COM auto loan.
This is also a automobile mortgage way that JD.COM has cooperated with other financial institutions. If a customer wants to apply for a mortgage loan, he/she needs to record the relevant car information on JD.COM Car Loan app, and then the person in charge of JD.COM Car Loan will evaluate the car and finally decide the next payment amount.
The car owner loan service platform mainly includes financial companies invested by banks.
For example, Hubei Consumer Credit, China Bank Transaction and Industrial Bank Transaction are all formal microfinance organizations. However, compared with banks, the amount of car owners' loans will be very low, the annual interest rate will be higher, and the annualized rate can reach 1.5-2.0 times. Financial companies like this will have very low requirements for themselves, so it will be easier to get loans.
The company behind Ctrip's car loan is Ctrip Finance, which has a credit cooperation relationship with the central bank. Lenders apply for loans on Ctrip car loans, and their personal credit reports will be upgraded within T+ 1 day. The lowest daily loan interest rate of Ctrip car loan is 0.02%, which translates into a monthly interest rate of 0.24% and an annualized interest rate of 7.2%.
In addition, customers can consider JD.COM auto loan.
JD.COM car loan is different from some car loan service platforms. JD.COM car loan does not require customers to mortgage the car, but only needs customers to provide relevant information such as vehicle registration certificate and motor vehicle driving license, and there is no need to mortgage the green paper. Car green can use relevant copies and ID photos. However, after a customer applies for a loan in JD.COM, there will be some work that needs offline review and verification by the staff. It takes about 1-3 working days from the submission of the application to the next payment.
Mortgage car loan app
For many car owners, if they lack a lot of money, the car under their name is the best loan product. Although cars are devalued, they are very flexible in the loan market and can be easily used as collateral. What are the mortgage car loan apps? These models are very common!
What are the mortgage car loan apps?
1, Ping 'an car loan
If the borrower wants to make a Ping An car loan, first of all, the borrower needs a vehicle to mortgage Ping An Bank, and the vehicle used for mortgage must be an unsecured vehicle.
Borrowers need to meet these basic conditions: personal credit information has no credit stain; The monthly income is more than twice the monthly payment; The borrower can provide effective bank flow for more than half a year; Having legal and stable working and repayment ability; The age is above 18 years old, but not more than 55 years old.
2. JD.COM auto loan.
JD.COM Car Loan is a automobile mortgage launched by JD Finance in conjunction with other financial institutions. Users need to register the relevant information of the car on JD.COM Car Loan APP, and then the platform will evaluate it, and determine the loan amount according to the evaluated value of the car.
If a borrower wants to apply for a car loan in JD.COM, he/she needs to log in to Jingdong Financial APP first, and then find the column of "car loan". Click "Evaluate Now" and fill in your own vehicle information according to the page requirements. After completing the form, select "Make an appointment now" and fill in your personal information.
3. Ctrip car loan
According to official website news of Ctrip Finance, the minimum daily loan interest rate of Ctrip car loan is converted into monthly interest rate and annual interest rate, which means that users do not need to provide vehicle registration certificate, vehicle driving license and other related materials, nor do they need to mortgage the Green Paper. Green paper can use relevant copies and ID card photos.
Where can I get a loan if I don't mortgage my car?
If you meet the requirements, you can apply for unsecured credit loans. The conditions are as follows: \x0d\① For high-net-worth people: This kind of products are mainly aimed at civil servants; Staffing of teachers, doctors and other institutions; Finance, telecommunications, electric power, tobacco, oil refining, ports, salt affairs, lawyers, accounting and other industries have formally established employees. Product advantages: fast payment (about 3 days) \x0d\ high amount (maximum1million yuan) \x0d\ low interest (annual interest rate of 6% to 8%)\ x0d \② For individual industrial and commercial households and business owners: for those who have normal business premises in the local area (if it is better in a large business district) and have real estate under their names, the water is still flowing. \x0d\ Product advantages: high amount (up to 500,000 yuan) \x0d\ long term (up to 5 years). \x0d\③ Customers with mortgage in personal name: mainly customers with mortgage or car loan in personal name, who are required to pay off the mortgage for half a year and the car loan for one year. The loan amount of the mortgage customer is 45 times the monthly repayment amount of the mortgage, and the loan amount of the car loan customer is 36 times the monthly repayment amount of the car loan, and the next payment is 3 to 5 days. \x0d\ Slow Bull Fortune provides specific consulting services.