The top ten 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, Spending Money, 10, and.

1, Ping An Pratt & Whitney

Ping An Pratt & Whitney is an online lending platform owned by China Ping An, which is quite reliable in terms of security. There are also many loan products, such as I loan, life insurance loan, excellent mortgage, owner loan and owner loan. Users can choose according to their own needs.

2. Jingdong Finance

Jingdong Finance belongs to the JD.COM platform. The white bars and gold bars of Jingdong Finance can help people in need to borrow money. There are fewer white bars and more gold bars.

3. Suning Finance

Suning Finance should be familiar to many people, and its main loan product is Suning's discretionary payment. The loan amount that can be repaid at will can be as high as 200,000 yuan, mainly because the threshold for applying for the loan amount is low, which can meet the needs of adults over 18 years old, and they can apply if there is no bad record in the credit report.

Step 4 rent a shot

Pat loan is also a very reliable online loan platform. It is understood that it has existed for ten years and has been listed in the United States. The auction loan can reach up to 200,000 yuan.

5. 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.

"Micro-loan" adopts the official invitation system. Invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan.

6. Borrowing is a reception service of Alipay, and its safety index is relatively high. At present, as long as it can meet the Alipay sesame credit score of more than 600 points. The loan amount you can apply for ranges from1000-300,000 yuan.

7. Xiaomi loan

Loan products belonging to Xiaomi financiers provide installment services. The application process is a bit cumbersome, but it supports lending and returning. Generally speaking, it is quite reliable.

8360 IOUs

Its main characteristics are fast lending speed and low application threshold. The daily loan interest rate is as low as 0.027%, which is equivalent to an annual interest rate of 95%. There is no need for a complicated application process, and the mortgage can be repaid as soon as it is applied.

9. Have money to spend

Baidu loan platform can meet the needs of different borrowers according to different loan businesses. The loan method is simple, mainly because the interest is low, and the loan can be repaid as you borrow it.

10, recruit a good term loan.

It is a lending service launched by Zhaolian Consumer Finance, occupying the top ten of formal online loans for a long time. The formality of the platform is self-evident, and the loan amount is generally around 200,000-200,000 yuan. The production line can be recycled within 3 years.

What is online credit?

Network credit is network loan, and network loan is becoming a trend. With the advantage of the Internet, all the steps of loan application can be completed without leaving home, including understanding the application conditions of various loans, preparing application materials and submitting loan applications, which can be completed efficiently on the Internet.

There are two modes of online credit:

1, b2c mode

B of b2c generally refers to banks, and some websites also provide products of loan companies. Generally, online b2c loans rely on online loans to work first and then lend. According to different rules, some applicants need to go offline. B2c model is limited by geography, because its business subject is an organization limited by geography, and its coverage needs to be expanded.

2. The reason why P2P is favored by people is that P2P mostly exists on the Internet and mobile terminals, and the most direct advantage of mobile Internet is "convenience, efficiency, and no geographical restrictions". Now, it seems that this lightning borrowing mode without geographical restrictions is more optimistic and familiar, and there is huge room for the development of consumer finance in cmnet in the future.

Extended data:

Online credit needs to pay attention to the following four scams:

1. Establish a website under the banner of a professional company.

Such websites are often named as "loan companies" and "investment consulting companies", and sometimes the words "there are agencies all over the country" appear on the websites, with the purpose of packaging themselves and further defrauding the trust of small and medium-sized business owners. But if you look at such websites carefully, you will find that they generally leave no landline and address, only mobile phones or QQ. Even if they leave an address, they can't stand to look carefully.

2. "Unsecured, unsecured" and "same-day loan"

In many "online loan scams", attractive slogans such as "no mortgage, no guarantee" and "lending on the same day" often appear. These slogans hit the heart of the vast number of business owners and individuals who are in urgent need of funds. Generally speaking, the reason why the project party is rejected when seeking formal loan channels is often that there is no good mortgage assets or guarantee. In this scam, once the small and medium-sized business owners take the bait.

3. Pretend to be a formal institution

Some fraudulent companies highly imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and the domain name is only one or two words less than that of regular lending institutions. Most project parties need to be more cautious when making inquiries.

4. Online transfer scam

In the online transfer scam, the fraudster will claim that the money needs to be transferred to the intermediate account, and then let the SME owner enter the bank account number and password on the forged bank website or the tampered website to defraud the funds in the SME main account.