2.JD.COM gold bars. For college students who often spend money on shopping, JD.COM gold bars are the most cost-effective loans for college students in 20 17 years. As the purpose of college students' loans is mainly consumption, JD.COM Gold Bar, as an upgraded version of JD.COM White Bar, is very attractive in meeting college students' consumption and purchase. Applicants can apply for JD.COM gold bars as long as they pass the JD.COM White Bar Examination and have a good white bar consumption record in JD.COM, which is very simple for college students.
3. The image of water is divided into stages. Water elephant installment is a small short-term loan software. At present, Water Elephant focuses on the youth market by stages with its flexible loan model. The loan amount is relatively small, ranging from 500 to 5,000. There is no need for any guarantee or mortgage, and the loan speed is strong and the operation is simple and convenient. In terms of repayment, there are many options for installment repayment, which is very suitable for college students with unstable income.
4. Microfinance. Micro-loan is a product of Tencent's Weizhong Bank. This product is positioned as an Internet micro-credit product, with a loan amount below 200,000 and a loan interest rate lower than that of a general credit card.
Extended information. Pay attention to 1 when college students apply for loans, and control the number of applications.
Wrong way: In order to improve the speed and speed of the next payment, we often apply for more than a dozen online loans at one time.
In fact, this method is wrong. On the one hand, it will cause a lot of unnecessary online loan backlog. On the other hand, more online loan applications will also have an impact on reputation.
The method is to find several safe and reliable word-of-mouth products, search the relevant information by yourself, check the application conditions, and then choose the application of 1~2. If the approval fails, analyze and summarize first and then apply for a loan on the next platform.
2. Analyze the reasons for rejection.
If the loan is refused, you must analyze the reasons for your refusal. Everyone has different qualifications.
Choose a loan platform that matches your qualifications, so as to improve the approval rate.
3. Choose loan products
It is very important to choose loan products. Some users like to find platforms, thinking that such platform risk control will be relatively loose. In fact, many platforms will refer to the applicant's third-party credit rating or the level of other accounts to evaluate the borrower's credit status to determine whether to lend.