Everyone can get a loan in an emergency and then solve the urgent need, so borrowing has become a part of our life. However, most people don't know how to choose when borrowing money. Now let's introduce the top ten conscience loan platforms, namely Alipay, Du Xiaoman, Tencent, 360, Xiaomi Finance, Zhaolian Finance, Mashan Finance, JD.COM, 5 1 provident fund manager and installment music.

Introduction of Top Ten Loan Platforms

1, loans, consumption and online business loans through Alipay are all safe and reliable loan methods;

2. Du Xiaoman belongs to a loan platform owned by Baidu, mainly because he has money to spend and the loan is satisfactory. Their advantages are long installment time, low interest rate and relatively high loan amount;

3. Tencent's main business is micro-loan, but micro-loan belongs to the invitation system, and not everyone can use it;

The 360 loan of 4.360 is a more conscientious loan platform. As long as they are adults, they can borrow, and the loan amount is limited to less than 200,000;

5. Xiaomi Loan under Xiaomi Finance supports installment repayment and loan repayment;

6. China Merchants Finance's recruitment of good term loans is an old loan method and a formal platform for conscience;

7. Instant Finance's comfort flower is also very conscientious, and it is a formal platform for large companies to endorse;

8.JD。 COM's Jingdong Finance is also very conscientious, divided into white bars and gold bars, with different functions;

9.5 1 provident fund manager is mainly suitable for users who have paid the provident fund, and can provide provident fund, social security loans, and multi-release in the first instance;

10, installment music is also a loan platform and has a good reputation.

The above is the introduction of the top ten conscience loan platforms.

What are the formal lending platforms?

A simple and reliable loan platform, and the loan platforms that are easier to pass are:

(1) Zhaolian Good Term Loan: For the credit products under Zhaolian Finance, it is best to apply online and review online, as long as the users have good credit and certain repayment ability.

(2) Ease Flower: The application threshold for Ease Flower is not high, and it is relatively easy to pass as long as it meets the basic loan conditions.

(3) Borrowing: As long as there is an application entrance and quota, borrowing can basically guarantee the success of the next payment.

(4) Micro-loan: You need to check the credit limit in advance, and users with good credit have a high pass rate.

(5)360 IOUs: pure credit loan products. If the age meets the requirements and the credit information meets the requirements, you can apply.

Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.

Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.

Spend a little money-pay special attention if you have money:

1. Take out the money as soon as possible after using up the quota, because the quota may become invalid after a long time.

2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.

After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.

First, the conditions that should be paid attention to in bank loans are:

(1) The applicant is at least 18 years old and has full capacity for civil conduct;

(2) The applicant has good credit;

(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;

(4) Having a legal and valid household registration certificate or a valid residence certificate;

(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest in full and on time.

Second, the loan risk.

(1) The agreed interest is seriously inconsistent with the actual interest. Because you signed the contract before the loan, but after the loan, you found that the actual interest was much higher than the agreed interest.

(2) The company that handled the mortgage loan closed down, the deposit and the real estate license could not be recovered, and the mortgage registration could not be revoked, which made it impossible to buy or sell real estate and make loans.

(3) The agreed interest rate is very low, but there are many other expenses (such as deposits and handling fees).

(4) Find a private person to handle the loan, and the money has been paid off after the maturity, and the lender does not cooperate with the cancellation of mortgage registration, or requires additional fees.

(5) Many "dirty" companies want your house, not profit.

Third, because of the so-called low risk and high profit, many private mortgage loans are now handled by many lending institutions. If there are more institutions, the market will be chaotic, and various problems will emerge one after another, and there will be many routines. Is private loans really not suitable for loans? No, after all, not everyone who needs funds can borrow money from the bank. Private loan companies have solved the problem that many enterprises and individuals urgently need money.

What platforms are there for credit loans?

The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, JD.COM Jinmin Piman Finance, Suning Finance, Ping An Hewlett-Packard, Microfinance, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.

The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.

1. Have money to spend: The credit production bridge module under Du Xiaoman Finance is a formal and reliable loan platform, in which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.

2. Credit loan

The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.

If there is demand, I recommend that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, which is highly supported by Baidu brand background and technology.

In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.

So much for the introduction of formal credit loan websites.