Among Ping An Pratt & Whitney and online business loans, online business loans are more cost-effective. Because Ping An Pratt & Whitney is a usury company and a loan-assisting company, it charges high interest and service fees, and then connects with the bank and operates behind the scenes. Online merchant loan is a pure credit personal business loan for Taobao shopkeepers, which has the characteristics of no mortgage, no guarantee and lower interest rate than other products in the general market.

1. Why is Ping An Pratt & Whitney a usury company?

Ping An Hewlett-Packard divides the interest rate into two parts, one for customers and the other for actual operation. Show customers a loan contract that is lower than the national standard interest rate and looks normal to attract customers to handle it. After handling, the service attitude will change to 180, actually operate a contract with interest rate almost equal to usury, dock with the bank, and charge a small service fee according to the loan amount. Among them, the interest rate is nearly 50%, which is equivalent to the loan 1 10,000, and the repayment in a short time is10.5 million, which is very unreasonable, which is also the usual means of usury companies.

Second, what kind of product is online business loan?

Online merchant loans are similar to previous loans, and they are all financial loan products of Alipay. In addition, the loan interest rate of online merchants is lower than that of peers. The longest repayment date is 65438+February, and the expected annualized interest rate on the loan date is 0.0 18%. It can be repaid at any time, which is lower than other loan products in Alipay. It is a product that is very suitable for personal business loans.

Third, the correct loan does not step on thunder.

If you need a loan, you must meet the requirements of the platform before you can make a loan. First of all, you have to pay back the loan amount, second, you have to go to a formal loan platform, and finally, you have to have good credit. You can choose online business loans on Alipay and micro-loans on Tencent. These two platforms are good lending platforms, which will not generate other irrelevant fees and have relatively low interest rates, which can meet the needs of the general public.

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The best choice for small loans is online merchant loans on Alipay, with extremely low interest rate, which is a very trustworthy product for small loans. Here, I also hope that users will not trust online loans. Please go to the formal loan platform to improve your repayment ability and increase your credit information.