Formal online lending platforms include: money spending, ant lending, micro-lending and long-term lending.
Now the internet is developed. In addition to the existing traditional banks and loan companies, when people are in urgent need of funds to solve difficulties, they can borrow money conveniently through various online lending platforms, without mortgage, guarantee or face-to-face signing ("three noes"), just relying on personal data and relevant credit records.
What are the more formal online lending platforms?
Reliable loan platforms include: Ant Lending, JD.COM Gold Bar and Xiaoman Finance.
1, ants borrow it:
Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their March into "internet plus" and providing inclusive finance services to small and micro enterprises and individual consumers through the "Internet Propeller Plan".
Borrowing money is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
At present, the consumer loans issued by e-commerce giants are mainly aimed at the staged consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios are also starting.
2.JD.COM gold bars:
As a sub-brand of digital technology in JD.COM, JD Finance includes personal finance, corporate finance, financial technology and other sectors, and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs and increase revenue, and working with financial institutions to better serve individuals and corporate users.
What are the legal online lending platforms?
At present, the official online lending platforms recognized by the state mainly include: 1, Ping An Hewlett-Packard, 2, Jingdong Finance, 3, Suning Finance, 4, Paipai Loan, 5, Microfinance, 6, Lending Treasure, 7, Xiaomi Loan, 8, 360 Lending Treasure, 9, Youhuahua, 10 and Jiaohao.
First, the top ten legal online loans in 2020
1. Excuse me, Ante
2.360 IOUs
Have money to spend
4. Microfinance
5. Gome Easy Card
6. Ping An I Loan
7.JD.COM gold bars
8. Comfortable flowers
9. Living expenses of the American delegation
10. Zhilian Premium Loan
Second, introduce an online lending platform.
1. Excuse me, Ante
Maximum loan amount: 200,000 yuan
Ant borrowing is a service that Alipay withdraws from, and it is a relatively formal online lending platform. As long as Alipay sesame score is above 600, it is very convenient to borrow money from ants.
2.360 IOUs
Maximum loan amount: 200,000 yuan
360 also launched a loan service, people can make formal loans, and 360 loan is one of the top ten formal online loans in 2020. Its threshold is very low and its collection speed is very fast, which can meet the needs of many people.
Have money to spend
Maximum loan amount: 300,000 yuan
This is a loan platform owned by Baidu. There are many different loan businesses that can meet the different loan needs of different groups of people. Not only the amount is relatively high, but also the interest is low. It is more flexible to borrow money or pay back money.
4. Microfinance
Maximum loan amount: 300,000 yuan
Micro-credit mainly adopts the invitation system, which means that not everyone is eligible for loans, and only a small number of people can borrow on it every year. The loan interest of this platform is calculated on a daily basis, and the general comprehensive interest rate is around 0.05%.
What are the formal lending platforms?
What are the formal lending platforms?
At present, the formal lending platforms are: Flower Garden, Ant Lending, Alipay Online Commercial Bank, Rongding Hundred Loans, and Zhaolian Good Term Loans.
Bai Hua 1
Alipay launched the "consumption first, payment later" service, and users with sesame scores above 600 have the opportunity to apply for opening the "flower garden". At present, the amount of "flower garden" is between 2500-30000 yuan. Users can use it to shop in Tmall Mall or Taobao, and make repayment on the following month 10 after confirming receipt. As long as the repayment is made on time, there is no handling fee.
2. Alipay Online Merchant Bank
Alipay online merchant bank still serves small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions. The application threshold is the same as the previous loan. The maximum loan amount is 1 000 yuan, the expected annualized interest rate on the loan day is 0.05%, and the loan term is 1.2 months. Use the average capital repayment method.
3. Ants borrow it
Alipay's loan business is called ant borrowing. Users do not need to submit complicated personal materials and financial certificates, and the loan can be completed in 3 seconds at the earliest. This service is located in "Credit Life" in "Sesame Credit". Specifically, you only need to open Alipay wallet, click Wealth to check sesame credit score, and then click Credit Life menu to see "Ant Borrowing". To use this service, users who need sesame scores above 600 can apply for loan lines ranging from 1000 yuan to 300,000 yuan. The specific amount needs you to log in to Alipay and enter sesame credit inquiry.
4. Recruit good loans
Zhaolian Good Term Loan is Alipay Life Loan under Zhaolian Finance, with a maximum amount of 200,000 yuan for recycling and a daily interest rate as low as 0.029%. The borrower 18-50 years old is required, and the sesame score is above 550.
5. Rongding Hundred Loans
Rongding EMI is a platform with many Alipay life loans. For example, if you are short of money, you can provide the borrower with a loan of 1000-5000 yuan, with a term of 30 days, which will arrive on the same day, and often provide the borrower with some interest deduction vouchers.