National formal platform loans: Ant loan, micro-loan, immediate consumer finance, JD.COM Gold Bar and Ping An Hewlett-Packard loan.
1, borrowed by ants.
Ant Borrowing is a loan service of Ant Financial Service launched by Alipay. At present, ant borrowing is only open to users with sesame score above 600, and the specific amount and interest rate of ant borrowing are also closely related to sesame score. The higher the sesame score, the easier it is for users to get loans. The maximum loan amount is 300,000 yuan, and the interest rate is generally low.
In addition, users who often use ants to borrow money will have a higher amount and lower interest. At present, ants use it to borrow and pay, and the lowest daily interest rate is one in ten thousand.
2. Microfinance.
Micro-loan is a pure online micro-credit revolving consumer loan product launched by Weizhong Bank, the first domestic Internet bank under Tencent, for QQ users and WeChat users. It was launched in 20 15.
Micro-credit adopts invitation system, and only invited users are eligible to use micro-credit. Micro-loan provides users with a maximum loan amount of 300,000 yuan, and also uses the method of daily interest calculation, with the lowest daily interest rate of 1.5%.
3. Consumer finance immediately.
Consumer Finance Now is a licensed consumer financial institution approved by the Bank of China Insurance Regulatory Commission. At present, it has two products: immediate installment and free flower, covering two major consumer finance fields: consumption installment and cash installment. At present, consumer finance provides users with a loan amount of up to 200,000 yuan, and the application conditions are relatively low. You only need to provide the corresponding proof of income to apply.
4.JD.COM gold bars.
JD.COM Gold Bar is a credit loan product under Jingdong Finance. At present, JD.COM gold bars adopt the application system, and users can apply independently. At present, JD.COM Gold Bar provides users with a loan amount as high as 654.38 million yuan, which is repaid in monthly installments with a minimum monthly interest rate of 0.5%.
5. Ping An Pratt & Whitney Loan.
Ping An Pratt & Whitney is a consumer financial institution specialized in serving individuals under Ping An Bank. At present, Ping An Pratt & Whitney has a variety of loan products such as I loan and oxygen loan. The official claims that it takes only 3 minutes to lend money at the earliest, and the application threshold is not very high. It is very convenient to use and the user's evaluation is also very good.
What are the fast rankings of online loans? What platform has a high payment amount?
What are the fast rankings of online loans?
1360 IOUs
360 IOU is a personal loan product launched by 360 Financial Group. According to new technologies such as cloud computing technology, machine learning algorithm and 360 big data technology, users can quickly assess personal credit risk, payment habits and consumption analysis, and grant users different types of loan lines. The loan amount is as high as 0.2 million/200 thousand, which can be received in 5 minutes.
2 Baidu has money to spend
Baidu Money Flower was originally a well-known financial service brand under Baidu Financial Group. When applying for a loan, users aged 18-55 can apply for Baidu to spend money, which is in line with the loan policy and can be received in 3 minutes.
Did you borrow it?
Did you borrow it? It is a credit loan platform launched by Guangzhou Duorong Information Technology Co., Ltd., and its assets come from a licensed financial institution approved by China Banking and Insurance Regulatory Commission, China, which is as high as 654.38+10,000 yuan. It is easy to fill in the information, and the approval takes about 5 minutes, and the fastest payment can be made in 10 minute.
4 Specialization and Innovation-Ping An I Loan
Ping An I Loan is a new online loan product specially launched by Ping An Group. When it reaches the age of 23 or above, you can use your real-name mobile phone number, your savings card and face verification to apply for a loan. Payment after approval takes only 3 minutes.
5 Fox Stage
Fox Staging is a network staging product launched by Fox Jin Fu, a subsidiary of Sohu.com. The age limit is 23-55 years old. If you apply for a credit card loan with your real-name mobile phone number, your e-commerce account and yourself, you must be authorized to conduct personal credit inquiry, and the account will arrive 2 hours after approval.
What platform has a high payment amount?
1, Wanda Pratt & Whitney. Wanda Pratt & Whitney has a high quota. Under this quota, the loan interest is acceptable and it is not troublesome to apply. What must you be able to apply for? The loan amount is1-50,000;
2. Jiufu Wanka. Jiufuwanka is a very well-known loan. I think many people have heard of it. The business scale of Jiufu Wanka users is also very large, which can be said to be a very reliable loan. The loan amount is 1 ten thousand-10.5 million;
3. Happy loan. Pleasant Loan always adheres to technology-driven financial reform, and promotes financial industry innovation according to high-tech methods such as mobile Internet and big data risk control system, so as to create a more convenient, efficient, technically professional and standardized P2P online lending platform;
4. Everyone's loan. In terms of compliance management and risk control technology, the overall strength of Renren Loan is very good. This service platform has obtained 3A credit certification, and it is also an intermediary institution for the deposit of funds of China No.1 Wholesale Bank. In addition, the technical professional risk management elite team has also carried out multi-stage control over the project investment from the source and after the loan, and continuously updated the online declaration credit check, offline promotion on-site review, post-loan management professional collection and repayment progress, and controlled business risks in both directions.
5. love money Love money into technology and finance as the original intention, and strive to build an honest and trustworthy lending platform with obligation and courage, so that more people can enjoy high-quality financial information services equally. Through measures such as asset support, product upgrade, compliance management rectification, and fully transparent operation, the service platform is compliant and gradually forms a reliable platform recognized by many project investment users. At present, it has won the trust of more than 6.5438+0.4 million registered users.
What are the regular online lending platforms?
Formal online lending platform:
1. CreditEase launched pleasant loan in 20 12 and was listed on the New York Stock Exchange in 20 15.
2. Renren Loan is a loan platform owned by Xinyoujinfu, which was established on 20 10 and is one of the earliest online loan platforms in China.
3. China Ping An's platform, lufax, was established in Shanghai in September, 20 1 1, and was supported by the Shanghai municipal government.
4. Paipai Loan was established in June 2007 and listed on NYSE on 20 17. It is the first online lending platform in China.
What is online lending? In fact, as the name implies, online lending is peer-to-peer lending. For example, if you borrow money from him on an application, then this is peer-to-peer lending. And like the flower beds used by many people, these are collectively called online loans. Online lending is online lending. Online lending is actually borrowing money online and from others, commonly known as online lending, but some online lending is safe. It is also a formal channel, and some online loans are informal channels, just like flower beds. These are all formal channels, and the interest is relatively low. So if you borrow money from others online, it is also called online loan, so this kind of online loan is more dangerous, and online loan is also an informal online loan.
I borrow money purposefully and regularly. For example, if I normally use normal loans and repay normal loans, then I think this online loan keeps normal things, but you borrow money from major platforms and those informal platforms. Then this kind of online loan is particularly dangerous, which may lead to the ruin of your family and the next debt. What about things like this? This situation also happens from time to time. If you borrow money blindly, you will owe online loans, which will lead to the ruin of your family. Because some of them are irregular, the interest on online loans is particularly high, and the interest will roll over. In the end, you can't afford it. It's simple.
The reason why many people blindly borrow money is precisely because they blindly spend money to compare with others, which leads to so many people going to online loans and leading to huge debts. If they can't stand it, they will be direct. But blind consumption, we should not blindly consume, to compare.
Generally speaking, talking like blind consumption is an important reason why you owe huge online loans. Therefore, we really don't want to spend blindly, which will have an impact on our future and lead to huge debts. If we can't bear it, it will be direct, causing our parents to pay their debts for themselves.
What are the loan products of BOC Consumer Finance?
First of all, an affirmative answer.
There are many consumer finance loans, such as Gitzo consumer finance's commodity loans and consumer loans, instant consumer finance's comfortable flowers, good loans for recruiting consumer finance, full-time loans and privileged loans for Xiaoman Finance's rich flower platform, Suning Finance's willful loans, Jingdong Finance's gold bar loans, and Ant Financial's loans, and Lexin's installment music.
Second, the specific analysis
In addition, other consumer finance institutions also provide various credit consumer loans, such as Zhongyuan Consumer Finance, China Post Consumer Finance, Haier Consumer Finance, Yin Chang Consumer Finance, Huarong Consumer Finance, Yin Hang Consumer Finance, Jinshang Consumer Finance, Shengyin Consumer Finance and Happiness Consumer Finance.
As long as more attention is paid to maintaining personal good credit, there is no bad record in the credit report; And can provide stable income proof, have the ability to repay on time, and generally can successfully borrow money from the above-mentioned consumer financial institutions.
Of course, if the credit is bad, you can't borrow money temporarily.
It should also be noted that there are many unknown small loan platforms in the loan market. Although the application threshold is low, it is not recommended to borrow money because it does not hold a financial license.
Generally, when people use the central bank's credit records, they will leave traces of inquiry, which is not good for their lending friends. Moreover, most online loans are not credit records, so they can't find specific online loan information when they are crediting, but now they can learn about their personal data through the data of "Northern Inspection Quick Search", and at the same time, they can learn more about overdue information, application records, untrustworthy information, blacklists and other information about online loans without leaving traces.
3. What are the uses of consumer loans?
There are mainly the following kinds.
1 Buy furniture and appliances
For example, televisions, refrigerators, sofas, beds, wardrobes, tables and chairs, air conditioners, water heaters, etc. It can also be used for home decoration.
Step 2 buy a car
In the use of consumer loans, it is ok to buy a car, but it cannot be used to buy a house.
Step 3 use it for education
For example, studying abroad and re-education after employment. The loan funds can be used to pay tuition, accommodation and living expenses.
4. Used in marriage
For example, if you hire a wedding company, hold a banquet, buy a wedding dress, buy jewelry and so on. If you have a lot of short term expenses, you can apply for a consumer loan.
Step 5 travel abroad
It can be domestic tourism or foreign tourism. The longer the planned travel time, the greater the demand for consumer loans.
6. Medical beauty
Medical treatment refers to all kinds of medical treatment for colds, diseases and accidents. Medical beauty generally refers to the treatment and plastic surgery of the mouth and eyes.
7. Purpose of production and operation
For example, if the demand is small, you can also apply for consumer loans for production and business purposes, such as expanding the factory, adding operating equipment, purchasing raw materials and accounting turnover.
8. Other daily consumption
For example, shopping and eating, buying food and cooking, buying clothes and shoes, paying utilities, transportation and other basic expenses of daily life.
Note that consumer loans are explicitly prohibited, that is, they may not be used for house purchase, investment and other fields prohibited by law.