Peer-to-peer loans, micro-loans, bank loan products and policy loans are all available.
1, peer-to-peer lending
With the development of Internet, peer-to-peer lending is now a very common way to borrow money. Various P2P platforms can be lent to you as long as they are approved, and the interest is quite high.
2. Microfinance loans
As can be seen from the name, this kind of loan does not need collateral, no guarantee, and depends entirely on credit. However, the audit is extremely strict, and only state-owned enterprises, central enterprises, civil servants, listed company personnel, lawyers, etc. can enjoy it.
3. Bank loan products
For example, lightning loan, quick loan these. Go to the Bank of official website and you can see the introduction. If necessary, only interest is calculated. Loan platforms and companies. There are many loan platforms and companies that can borrow up to 65,438+million, and the threshold is low and the next payment is fast.
4. Insurance policy loans
If you fail to repay the loan, you will directly deduct the principal and interest from your policy until the contract is terminated. Anyway, the insurance company won't lose money, just mortgage the policy to it, and it will lend you money to charge interest.
Extended data
1. Bank cash installment. Almost every bank has its own cash installment product, which overdraws from the bank card like withdrawing money and repays in installments, and the interest rate is slightly higher than the formal loan of the bank.
2. Internet finance. For example, Ali borrows money and Jingdong Finance makes small loans. However, the interest rate is very high. For example, the annualized interest rate of Ali's loan is almost 15%.
3. Credit card cashing. Special emphasis: credit card cashing is risky, and it is likely to be banned and blacklisted by banks. This is a helpless move that bank loans and cash installments are not feasible and money is urgently needed.
4. Other companies are everywhere, with high interest rates, almost all above 20%, and various hidden costs. If it is not life-saving money, it is still not recommended.
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.
Which platform loan is the most reliable?
1, Alipay
Alipay is an app that everyone is familiar with. Its flower garden, loan, online business loan and reserve fund can provide loan services for everyone, with the amount ranging from 5 million to 300,000. According to everyone's sesame credit score, you can get different quotas, and the loan is relatively safe and reliable.
Step 2 have money to spend
Easy Loan with Money is a formal loan app recommended by Bian Xiao, and it is also one of the most reliable loan platforms in 202 1. The loan amount is as high as 0.2 million/200 thousand, and people with good credit generally lend 30 thousand to 50 thousand. The term is 12 months and 24 months, and the interest is calculated daily. The minimum annualized interest rate is only 72%.
3. Stage music
The old platform is also trustworthy and a relatively reliable loan app. At present, the maximum loan amount is 50 thousand yuan, which can be divided into 36 months at the longest. For users with good credit or friends of pure white households, it is very easy to pass, and the same day will be fine.
4360 IOUs
The big platform is relatively reliable. 360 loan is a pure credit loan app under 360. Users above 18 can borrow, with a maximum amount of 200,000 yuan and a loan term of 12 months. Interest is calculated on a daily basis, and new users have the opportunity to participate in interest-free activities.
Step 5 have money to spend
Baidu's credit loans are not very demanding to borrowers. You can register an account with your mobile phone, provide a valid ID card and bank card to complete the authentication after improving your personal information, and you can get a loan after obtaining the quota. The system automatically approves loans, which can be quickly received.
6. Gome Easy Card
The loan age requirement of Gome Easy Card is strict, and it needs 18-45 years old. After you borrow it, you can return it with it, and the review is fast.
7. lend it to you
Lend you an online platform with a loan amount of 500,000-200,000. You need to provide your second-generation ID card, your savings card and sesame credit sub-authorization.
8. New loans
Xinyi Loan is a credit product of Ping An Bank. At present, the maximum amount that can be applied for is 500,000 yuan, and the longest installment time that can be selected is 60 periods, that is, 5 years.
9. White collar loans
The maximum loan amount for white-collar loans is 300,000 yuan, and the borrower must provide his/her valid ID card, work certificate, income certificate, marriage certificate and other materials.
10, please
Borrowing is a cash loan product of Alipay, which supports cash lending. The maximum loan amount is 300,000, and the loan interest is calculated on a daily basis. The daily interest rate ranges from 0.0/kloc-0.5% to 0.06%. At present, borrowing does not support users to apply for opening.
What apps can I borrow money from?
Cash loan, flower bud, flash silver, lightning, 58 consumer loan, cash bus, Ping 'an Easy Loan, Pat Loan, Renren Loan, Suning Free Payment, IOUs, Mobile Phone Loan, Finger Loan, Kissing Small Loan, Good Loan, First Spend 100 million, One Wallet, Jianghu Emergency, Borrowing Bai, Satisfied Loan, Tinker Wallet, Installment Music, Fun Loan.
Refers to the funds borrowed by enterprises from banks, other financial institutions and other units, including credit loans, mortgage loans and trust loans. Borrowing can also refer to the funds borrowed by a person from financial institutions such as banks and other units and individuals, including credit loans, mortgage loans and trust loans.
A new Internet "P2P" model, that is, using the Internet as a platform to match the transactions between borrowers (peers) and individual investors (peers), investors are optimistic about the project and lend money to people in need. The advantages of Internet P2P model are "fast, efficient, and not limited by region". In recent years, the "lightning loan" mode of mobile Internet has gradually taken root in people's hearts, and the mobile Internet has more efficient and convenient attributes, which has brought a brand-new operation mode to traditional lending.
Chinese name: loan
Mbth: Borrowing.
Bank loans: banks, loans
Definition: Borrowed funds