The average daily interest rate of financial loans in Jingdong is between 0.03% and 0.095%. With good credit, you can get lower interest rates. Many users borrow money on this platform, and the daily interest rate is about four ten thousandths, that is, the loan is 654.38+100000, and the daily interest rate is 4 yuan. In this regard, many users have said that it is acceptable. Online merchant banks have interest, and the daily interest rate of online merchant bank loans is between 0.015% and 0.05%. At present, the daily interest rates of loan services such as micro-loan and ant borrowing are all between 0.0 15%-0.05%, so the loan interest of online merchant banks is not high. However, compared with bank loans, the interest of online merchant banks is relatively high. The annual interest rate of bank loans is 4.35% within 1 year, 4.75% within 1 five years, and 4.9% over five years. Convert the minimum daily interest rate of the online merchant bank into an annual interest rate of 5.4%.

1. If you want to get a lower daily interest rate, you can use Alipay to pay more and continuously improve your personal credit. More importantly, in the process of using online business loans, we must remember to repay on time and not overdue. If the loan is not repaid on the repayment date, the online merchant loan will be charged at a daily interest rate of 1.5 times, and the overdue record will be uploaded to the credit information system.

2. Online merchant banks, belonging to Internet banks, are banks approved by the CBRC. It has the same nature as a physical bank and has the functions of saving and lending. If you deposit your money in the online merchant bank, you will get interest. The fixed-term treasure in the online merchant bank has a yield of 3.80%. If you deposit 10000 yuan, you will earn about 98 cents a day. Moreover, the bank deposit interest rate of online merchants is divided into corporate deposits and personal savings deposits. The company's deposit interest rate is: three months 1.540%, six months 1.820%, one year 2. 100%, two years 2.940% and three years 3.850%. Personal savings rate is: three months 1.540%, six months 1.820%, one year 2. 100%, two years 2.940% and three years 3.850%.

Any bank loan needs to pay interest. Of course, online merchants also need to pay interest on bank loans, but some bank loans have higher interest rates and some have lower interest rates. The interest rate of physical bank loans will be lower than that of online banking. You can go to a physical bank for a loan.