There are many platforms that 18-year-olds can apply for, including banking products, large consumer finance companies, p2p products, and general consumer installment platforms. Of course, if you do not operate properly, you may apply for usury products. Therefore, before choosing a platform, you must check the background of the platform and whether it is a formal platform licensed by the China Banking Regulatory Commission. The interest rates on this type of platform are the lowest and there are no tricks. Priority will be given to applying for banking and consumer finance company products.

1. Ping An Salary Loan

A loan platform suitable for office workers. As long as the monthly income is more than 3,000, it can be applied for. You need to work continuously in the unit for more than 6 months. The limit range is Between 2 and 2 million, personal information can be submitted via mobile phone throughout the entire process, without the need to go to banks or stores.

2. Youqianhua

Youqianhua is a loan product under its umbrella, providing a variety of loan products such as small-term loans, exclusive loans, and Manyi loans, and is suitable for Different loan scenarios.

3. Sina Youjie

Sina Youjie is a loan APP owned by Sina.com, which is considered to be owned by a well-known company. Sina Youjie can provide you with loans not exceeding RMB 10,000, with a term of use ranging from 3 to 12 months.

4. Gome Easy Card

Gome Easy Card is a loan APP owned by the well-known company Gome Electric Appliances. Gome Easy Card can provide you with a revolving loan limit of RMB 1,000, and the provident fund limit can be increased to RMB 1,000.

5. Jingdong Finance

Jingdong Finance is a loan APP of the well-known company Jingdong. The loan limit of Jingdong gold bars can reach up to 200,000 yuan, with a term of 1/3/6/12 There are four types of monthly ***, with daily interest rates ranging from 0.04% to 0.095%.

The harms are as follows:

1. The rates of some online loan platforms are unclearly marked, and there is a certain degree of concealment in the expressions of handling fees, overdue fees, liquidated damages, etc., which makes It is possible that students with loans will be tightly locked up. Once repayments are overdue, college students may be unable to bear the loss of funds, resulting in a credit crisis of excessive consumption.

2. Since the threshold for online loan installment consumption is very low, it provides college students with a platform for advanced consumption and luxury consumption. However, many college students are in debt due to impulsive consumption, which brings trouble to their normal studies.

3. Once the payment is overdue, it will affect the personal credit of college students in the bank. Once there is a stain on your personal credit, when you enter society in the future, whether you apply for a credit card or apply for a loan, you will have to pay a higher cost than others and may even be rejected because of it. In addition, once something goes wrong with these small online loan companies, there is also a risk of leakage of private information such as student ID cards and ID cards of college students.