Nowadays, Internet finance is more and more developed, and there are more and more consumer loan products. Everyone knows Alipay, and everyone knows that Alipay's credit products are borrowed. What are the credit products similar to loans?
Similar to borrowing, there are money to spend and small loans. Lending treasure, money flower and micro-loan are the three major credit platforms under the background of BAT, all of which have big brands, big platform backgrounds, strong technical strength and teams to provide professional services for borrowers. Many people will be curious, which is more reliable, borrowing money, spending money or micro-lending?
1, money to spend
There are many ways to apply for a loan with money. Money is a cash loan service launched by Xiaoman Finance, which mainly promotes easy loans.
All-easy loans can be up to 200,000 yuan. If cash is withdrawn by credit card, the average daily interest rate is 0.05%, that is, the daily interest rate of the loan of 6,543,800 yuan+0,000 yuan is 5 yuan. Compared with credit cards, the interest rate of spending money is lower and the calculation is transparent. Spending money-all-easy loan, the daily interest rate is as low as 0.02%, and the lowest interest rate for borrowing is 654.38+0.8 million, starting from 2 yuan every day.
At present, the expenses of easy loan include: interest, loan expenses (if any), and default interest will be charged if overdue. Early repayment is supported by easy loans. Whether there is liquidated damages for prepayment is subject to the page display. The specific charging standard is subject to the loan page display.
2. Microfinance
Micro-loan is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.
Micro-loan adopts user invitation system. At present, invited users can see the entrance of micro-loan in QQ wallet of mobile phone QQ and WeChat wallet of WeChat, and can get a maximum loan amount of 300,000 yuan. It has the characteristics of no mortgage, no guarantee, repayment as you borrow, and daily interest.
Generally speaking, the opening condition of WeChat micro-loan is that the system comprehensively evaluates the user's activity and personal credit on WeChat or qq as Tencent credit score, so as to determine whether it meets the opening qualification.
3. Xiaomi borrowed money
Xiaomi Loan is a credit loan product under Xiaomi Finance. Users can apply for loans by downloading Xiaomi Financial APP, while enjoying the convenience and security of bank deposits. Mainly aimed at 65.438+0.5 billion Xiaomi users, excluding customers with default records on the personal credit report of the central bank. The daily interest rate of Xiaomi loan is as low as 0.02%, but the specific daily interest rate is comprehensively evaluated according to Xiaomi account and personal credit. Most people's daily interest rate is 0.05%.
4.JD.COM gold bars
JD.COM Gold Bar is a cash loan service tailored by JD Finance for JD.COM White Bar users with good credit. You can borrow it and return it with it. The longest repayment period is 12 months by default, which can only be operated through Jingdong Financial app. JD.COM gold bars can be withdrawn by borrowing money, and the amount can be directly withdrawn to the savings card. JD.COM gold bars are built on the basis of white bars, so if you want to open gold bars, you must first open white bars, then spend more with white bars and repay them on time, so that you are more likely to be invited by JD.COM to open gold bars.
These platforms are very reliable, and users can choose according to their own needs. In addition to the above lending platforms, BAT also has a formal and reliable credit brand. Rich flowers have BAT background, big brand, reliable and low interest rate. If you have money to spend, you can apply on your own initiative. The daily interest rate is as low as 0.02%, and the loan will be released in three minutes at the earliest after approval.
You only know how to borrow money? Try these online loans, as reliable as borrowing.
You only know how to borrow money? Try these online loans, as reliable as borrowing.
When it comes to online lending, many users will think of borrowing money for the first time. After all, borrowing money is a loan product in Alipay, and now most users are using Alipay. Therefore, Lending Bao is a very convenient loan product for users who need loans. Coupled with everyone's trust in Alipay, borrowing money has gradually become a benchmark product in online lending. Many users will take borrowing money as the standard when looking for loan openings.
In fact, in addition to borrowing, there are many openings for borrowing that are similar to borrowing. These loan openings have not been lost in terms of background or product type. Today, let's find out what loans are available.
1, money spent:
Having money to spend is the opening of Baidu Xiaoman Finance, and Baidu is also a well-known Internet company, so having money to spend, like borrowing money, is also a good loan to open a store.
At present, there are three loan products: short-term loan, privileged loan and all-easy loan. Whether it is a large loan user or a user, you can apply for a loan when you have money.
(Click here to test the consumption amount for free)
At present, the maximum loan amount for privileged loans with money to spend is 300,000 yuan, and the minimum loan interest rate for easy loans is 0.02% of the daily interest rate. The specific loan amount and interest rate need to vary from person to person. The platform will comprehensively audit users according to the information provided by each user and various other data, and then give the corresponding loan amount and interest rate according to the audit results. The higher the score, the higher the loan amount and the lower the loan interest rate.
2. WeChat micro-loan:
Micro-loan is a loan launched by Tencent for mobile qq users and WeChat users. As long as users are in the white list of micro-loans, they can open their own micro-loans on qq or WeChat, and get the corresponding loanable amount and loan interest rate.
If users want to know whether they are on the white list of micro-loans, they can check whether they are "micro-loans" or "micro-loans to borrow money" in their qq wallets and WeChat wallets. As long as such a micro-loan entrance can be found, it means that users can open micro-loans in the invitation list of micro-loans.
3. Ask for a good term loan:
Good-term loan is a credit loan product under Zhaolian Finance, which was jointly launched by China Merchants Bank and China Unicom, so the background of good-term loan is also good.
At present, the maximum loan amount of good-term loans is 200,000 yuan, and the minimum loan interest rate is 0.03% of the daily interest rate. Users can make loans directly through Zhaolian Financial app or Alipay's good loan life number.
Mobile phone loan software similar to borrowing money
Borrowing is a daily interest-bearing product, which can be repaid by borrowing. Borrowing software similar to borrowing in the market includes:
1, fast loan from China Construction Bank
China Construction Bank's fast loan interest is calculated from the date of use, and the interest is calculated according to the actual days of use, which supports repayment with the loan. The interest rate of financing e-loan is 20% to 50% higher than the benchmark interest rate, the lowest interest rate of pledge loan is 4.35%, and the interest rate of car e-loan 1 year is 4.35%.
2. Microfinance
Micro-credit loan products launched by Weizhong Bank have a daily interest rate of 0.05%, which is calculated according to the actual days of use, slightly higher than borrowing.
3.JD.COM gold bars
The loan amount of gold bars in JD.COM is less than 200,000 yuan, which supports recycling, and the products also bear interest on a daily basis. The daily interest rate of gold bars is between 0.04% and 0.095%, and the loan interest is higher than the loan.
4360 IOUs
The daily interest rate of 360 IOUs is between 0.03% and 0.05%, which is similar to IOUs. However, the borrower's interest rate is based on the comprehensive evaluation of the borrower's qualifications, so if you want to get lower interest rate concessions, you must effectively improve your comprehensive credit score.