Formal loan platform:
First, Alipay borrows money.
Lending treasure is a credit product of Ant Financial, with a maximum amount of 300,000 yuan. The use entrance of the loan is on Alipay, log in to the account, search for the loan, and enter the loan page to use it.
However, the loan is an invitation system, and the loan can only be used after being invited to borrow. If you don't have the quota and interest rate on the loan page, you are not a loan user yet.
The opening of borrowing is the result of system audit, and users can't open it actively. To open ant borrowing, the following conditions need to be met: (1) Alipay account completes real-name authentication; (2) The account status is normal and has not been appealed; (3) The account is bound to the mobile phone. For the account that meets the above conditions, the system will make an irregular comprehensive evaluation according to your account usage, and the final use will be subject to the system evaluation, and manual intervention is impossible.
If you want to open Alipay as soon as possible, you can try the following methods:
1, use Alipay more, Alipay has many functions, such as taking a taxi and managing money. Let the system see your loyalty, and use Alipay more to let Alipay see your good spending power.
2. Maintain good credit habits, use credit products such as flower buds to repay on time, and try not to overdue. After all, borrowing flowers is a credit loan, and good credit can make the system believe you.
Second, Tencent Microfinance
Micro-loan is a credit product launched by Tencent Weizhong Bank, with a maximum amount of 300,000. It should be noted that, like borrowing, micro-lending is also the way to open the invitation system. If you don't see the words "micro-loan" in Jiugongge where I pay-Tencent services, it means that you haven't got micro-loan.
If micro-loans cannot be opened at present, you can refer to the following methods.
1, open WeChat payment point
In the future, the WeChat payment score may be used as an evaluation standard for evaluating the micro-loan amount, so make preparations early and easily turn passive into active.
2. Use WeChat to shop more.
Multi-use WeChat shopping, while satisfying the desire for consumption, also brushed the sense of existence in Tencent system. Because we can get our consumption data in this way, those of us who can prove our purchasing power will more easily realize the purpose of opening small loans.
Step 3 pay more for living expenses
Wechat is often used to pay for living, mobile phone fees, utilities, gas, broadband, fixed-line and so on. In addition, the city service has also opened the functions of hospital registration, car traffic violation inquiry, social security inquiry and so on. More use of these convenient operations will also help to increase the amount.
4. Buy more and manage money
If you have enough money, buy some funds, insurance and wealth management products and save them to collect interest. After a period of time, small loans can be opened.
5. Use the "Credit Card Repayment" function of WeChat.
Use WeChat to bind the credit card, and make a fixed repayment of several thousand yuan every month, and there will be a quota soon.
Third, spend a little money.
Qianhua is a credit product of Xiaoman Finance (formerly Baidu Finance). At present, the main push is easy loan, and the maximum amount of easy loan is 200,000.
Money can be opened voluntarily. 18-Non-university students over the age of 55 can apply for monetary loans. When applying, they can prepare their original second-generation ID card and bank debit card.
It should be noted that as a formal loan platform, Lending Bao, Micro-loan and Spending Bao have been connected to the central bank's credit information system in strict accordance with regulations. Therefore, everyone must develop the good habit of paying back on time and accumulate personal credit.