With the development of Internet finance industry, micro-loan platforms are constantly emerging to meet the loan needs of small and medium-sized enterprises and individuals with the characteristics of low threshold and convenient procedures. And "which network microfinance is the most reliable" is also a key issue for people to consider when choosing microfinance channels. Market research shows that the micro-loan of Weizhong Bank, the loan of Ant Financial Services (credit loan) and the JD.COM gold bar launched by Jingdong Financial App, a subsidiary of JD.COM Science and Technology, are all relatively reliable loan products recognized by users. If you want to choose the most reliable online microfinance, the above three products have their own advantages. Let's briefly introduce them below.

JD.COM gold bars: convenient application, low interest rate and quick receipt.

JD.COM Gold Bar is a cash loan service tailored by JD Finance for users with good credit. According to different users, JD.COM Gold Bar adopts differentiated credit, providing a maximum credit line of 200,000, which can be repaid in 12 months. Interest is calculated on a daily basis and can be repaid by borrowing. The annual interest rate is as low as 9. 1%, and the interest on loan 1000 yuan is as low as 0.25 yuan.

Under normal circumstances, after the user submits the loan application and is approved, he can get the money within 30 minutes, the fastest 10 second. The specific arrival time is subject to the receipt of the bank card. So, which online micro-loan is more reliable? JD.COM gold bars have considerable advantages in the market.

Microfinance: provide 7*24 hours service, with flexible repayment.

"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, and invited users can see the micro-loan entrance in the "QQ wallet" of mobile QQ and the "WeChat payment" of WeChat. The credit line of micro-credit to users is between 100 yuan and 200,000 yuan, depending on the individual's comprehensive situation.

Micro-loan provides 7*24-hour service, which can be borrowed by picking up the mobile phone anytime and anywhere, without mortgage guarantee, all online. In addition to the simplicity of borrowing money, micro-credit supports the repayment of loans by borrowing, and supports three stages: May, 10 and 10. Early repayment will not result in liquidated damages, and interest will be repaid in a few days. A single loan can be loaned from 100 yuan to 40,000 yuan, with a daily interest rate of 0.02% -0.05% and a daily interest of 10000 yuan of 2-5 yuan dollars.

Loan (credit loan): there is an application threshold, and the maximum loan amount is 300,000 yuan.

"Borrowing", now called "credit loan", is a loan service launched by Alipay. At present, the application threshold is more than 600 sesame seeds. According to different scores, the loan amount that users can apply for is different, ranging from 1 0,000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which supports the loan repayment.

The above three products have their own characteristics and advantages, and have been widely trusted by users. When users know which online microfinance is more reliable, they can borrow more smoothly, solve the problem of capital turnover and improve their quality of life.