First, the common formal apps that can borrow money are Alipay, WeChat, Anyihua, and your loan.

1, Alipay: Alipay is the most common payment software. You can apply for a loan by clicking Ant Borrowing on Alipay my page, but Ant Borrowing is only open to some Alipay users at present. This product is believed to be familiar to all Alipay users. It is a loan service platform launched by Alibaba. The big database behind the platform will provide different quotas for different users according to sesame credit scores. The maximum amount can be up to 300,000 yuan, and the longest repayment period is 12 months, which supports loan-as-you-go repayment.

2. WeChat: Log in to the WeChat client and click My-Pay-Micro-Loan in turn to borrow money. Microfinance is only open to some users. If you don't see the micro-loan on the payment page, it means that it is not open to the user at present.

3. Anyihua: Anyihua is a credit product of Instant Consumer Finance Company, and the loan amount ranges from 1 1,000 to 50,000 yuan.

4. Your loan: Your loan is a peer-to-peer lending platform. You can apply for a loan by downloading the loan app on your mobile phone.

Second, what should I pay attention to when borrowing an app?

First, reasonably choose the amount and duration of the loan. The loan amount needs to be determined according to your own economic situation, and you need to consider your own economic repayment ability to avoid excessive repayment amount and excessive pressure. Generally speaking, the loan term means that the interest will increase with the increase of loan time, so try to choose a loan with time and interest within your repayment ability according to your own situation.

Second, we must carefully check the relevant contracts of the online lending platform to avoid regulations that are not in line with our own reality or are unacceptable to us.

Third, be rational when repaying. In the case of being able to repay each loan, it is best to use the remaining funds for other aspects of investment, so as to obtain the maximum income. Many people who have been cheated by online loans have not carefully read the relevant contracts and regulations, which makes them unable to have a good legal advantage when winning the case. If you are a college student, it is not recommended to use online loans, because you have little experience and can't tell the difference between true and false, and you are likely to be tempted by fake online loans, resulting in heavy debts. Article 26 of the Provisions of the Supreme People on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases promulgated by the State Council defines the interest rate ceiling and the rights of lenders in the lending relationship.

What is the platform for borrowing money at the age of 20?

At the age of 20, you can borrow money from the following platforms:

1. Meituan Borrowing: The credit loan provided by Meituan Platform has a credit line of 500,000-200,000. Users aged 20-50 can apply on Meituan APP and get the credit line after passing the evaluation.

2.JD.COM Gold Bar: The products of JD Finance require users to be 20-55 years old and have a credit line of 500,000-200,000 yuan. Just log in to the application and click Apply.

3. Maturity: The loan approval amount is between 5 million and 200,000, the term is 1-24 months, and the applicant needs to be 18-45 years old, and needs information such as ID card, bank card and mobile phone number.

4.e-point loan: Yin Bei consumer finance products have the characteristics of pure online application, low threshold and high pass rate. Credit line 1 0,000 ~ 50,000, and the longest loan term 12. Users aged 20-50 can download the APP directly.

5. Lend it to you: the age is 20-55 years old, the maximum credit line is 200,000, the user needs good credit information, and the real-name registration mobile phone number has been used for 6 months.

Extended data:

Online loan application conditions:

1. The online loan association requires applicants to be at least 18 years old and have full capacity for civil conduct, and many online loans are not allowed for students to apply.

2. Sesame credit: Many online loans require authorization of sesame credit, so online loans require applicants to have good sesame credit, but different loan products have different standard requirements for sesame credit scores. General applicants need to reach about 500% or 600%.

3. Personal credit: Some online loans need to be checked, and some don't, but overall, the applicant's personal credit is good.

4. Other conditions: online loans basically require mobile phone numbers and bank cards. Especially the mobile phone number, the online loan will require the applicant to have a mobile phone number with real-name authentication for 3 months or more.

Of course, different online loan products may have different situations, and the actual situation is subject to the product page display.

If the online loan is overdue, it will have the following adverse consequences:

1. The penalty interest will be charged from the overdue date until the customer pays it off in full. However, the penalty interest rate of many lending platforms will rise above the borrowing rate. If the customer has been in arrears, I am afraid there will be a lot of penalty interest. At that time, more and more customers will have to repay, and the repayment pressure will increase.

2. The loan platform will submit the overdue situation to big data, leaving a bad record in it. However, some platforms or their cooperative lending institutions have the central bank's credit reporting authority, and may also report the overdue situation to the central bank for credit reporting, leaving bad information in the customer's personal credit reporting, thus causing the customer's personal credit to be damaged.

3. I am afraid that the platform system will start risk control on the customer's loan account and freeze the quota, so that the customer can no longer borrow. At the same time, due to credit damage, customers will probably not be able to borrow from other lending institutions, platforms or banks. After all, the other party will also check the customer's credit status when approving. Once problems are found, they will naturally refuse to approve the loan.

What are the mobile phone loan softwares suitable for college students?

Mobile phone loan software suitable for college students

First, quick loans.

Fast loan has introduced the function of mobile phone credit card in China, and applicants can apply for loans by simply binding their mobile phones. The loan amount of quick loan is between 2000-65438+ 10,000 yuan, which is a very good loan among mobile phone loan products. If you are not satisfied with your quota, you can also increase the quota by sharing loans in your circle of friends. Is a very suitable loan software for college students.

Second, the famous school loan

Famous school loan is a credit loan service for college students, which aims to help students solve the financial pressure and realize their dreams in advance. Famous school loans can tailor different solutions for each student according to their borrowing purpose and personal actual situation, so that students can easily realize their wishes through installment payment. At present, loans can only be used for formal purposes, and the loan amount is between 1000-50000.

Third, JD.COM gold bars.

The purpose of college students' loans is more to satisfy the desire of consumption and purchase. As an upgraded version of JD.COM White Bar, JD.COM Gold Bar is very attractive in meeting the consumption and purchase of college students. Applicants can apply for JD.COM gold bars as long as they have passed JD.COM white bars and have a good consumption record of JD.COM white bars, which is very simple for college students.

Fourth, youth wallet.

Youth wallet is a loan product for young people, which has a very fast review speed and the next payment time, which is in line with the fast-paced consumption pattern of college students. College students only need to upload personal information truthfully and get loans by checking their mobile phones.

5.baidu has money to spend.

Baidu Qianhua is a mobile phone loan under Baidu Finance. The application threshold is relatively low, and the review and payment speed is good. The interest rate of Baidu's money is between 2.8% and 8.4%, and it bears interest on a daily basis, which supports early repayment and will not cause excessive repayment pressure to college students.

Six, water image staging

Water elephant installment is a small short-term loan software. At present, Water Elephant focuses on the youth market by stages with its flexible loan model. The loan amount is relatively small, ranging from 500 to 5000, without any guarantee or mortgage, and the loan speed is strong and the operation is simple and convenient. In terms of repayment, there are a variety of installment repayment methods to choose from, which is very suitable for college students with unstable income.

These loan softwares are newly launched, and interested college students can try to borrow money.

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What are the good recommendations for large online loans?

Top 10 formal online lending platforms:

1, 360 IOUs. The maximum amount is 200,000, which can be recycled once, and the pass rate is very high. As long as always online applies, the loan can be released in 5 minutes at the earliest.

2. Safe small orange flowers. Ping An consumer finance micro-credit loans can be handled as long as they have a college degree or above, which requires stable income and good credit information, and the daily interest rate is 0.039%.

3. baixin bank. A platform where many loan products gather, with a loan amount of 5-200,000 yuan. It supports regular bank loan products, loan repayment, daily interest, and no handling fee for early repayment.

4. Raise funds. The product application threshold of consumer finance companies is low, and loans can be obtained at the age of 18-55. Everyone except students has the opportunity to get the quota, and the period is from 1 to 12 months.

5, 1 10,000 e loan. Wanda's loan APP has a maximum amount of 50,000 yuan 18 (inclusive), a stable source of work and income, and a high pass rate.

6. Gome Easy Card. The daily interest rate is 0.03%, and the monthly interest rate is 0.88%. The loan issuance speed is related to the borrower's credit and qualification, and the amount ranges from 1 10,000 to10.5 million.

If there is demand, it is recommended that you use 360 IOUs, which are based on 360 big data, and then comprehensively evaluate users' credit, and finally provide users with instant consumption loans on this basis. The maximum loan amount is 200,000 yuan (click the official free loan amount), and the daily interest rate is as low as 0.03%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security. Tips: The above information is for reference only, and no loan suggestions are made. In the process of online lending, we must pay attention to preventing risks. In order to ensure the safety of funds and prevent routine loans, we suggest that you choose a formal bank or a formal loan platform based on your own judgment after fully understanding it, and borrow reasonably according to your actual situation.

Online loans that students can apply for.

1. Excuse me, Ante. Ant borrowing is a loan service launched by Alipay. At present, the application threshold is sesame score of 600 or above. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. It is very suitable for college students who often use Alipay.

2.JD.COM gold bars. For college students who often spend money on shopping, JD.COM Gold Bar is the most cost-effective loan for 20 17 college students. As the purpose of college students' loans is mainly consumption, JD.COM Gold Bar, as an upgraded version of JD.COM White Bar, is very attractive in meeting college students' consumption and purchase.

3. The water image is divided into stages. Water elephant installment is a small short-term loan software. At present, Water Elephant focuses on the youth market by stages with its flexible loan model. The loan amount is relatively small, ranging from 500 to 5000, without any guarantee or mortgage, and the loan speed is strong and the operation is simple and convenient.

4. Microfinance. Micro-loan is a product of Tencent's Weizhong Bank. This product is positioned as an Internet micro-credit product, with a loan amount of less than 200,000 yuan and a loan interest rate lower than that of ordinary credit cards.

Online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy.

Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law and relevant judicial interpretations of the Supreme People's Congress.

Network refers to the Internet provided to customers by Internet companies through companies controlled by them. The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal.

So much for the introduction of students with large loans.