1, 360 IOUs: 360 online lending platform for several subjects, convenient and quick to borrow money without mortgage guarantee, age 18~55 years old, good credit and strong repayment ability, not all students in school can try. Usually, the system automatically approves, and you can borrow money quickly after submitting the application.

2. Zhaolian Good Term Loan: one of the popular credit loan products of Zhaolian Finance, and you can also borrow directly online. Eligible borrowers can register their accounts with their mobile phones, fill in all the information and submit it, provide their ID cards and bank cards to complete the authentication, and then borrow money after obtaining system credit. All the loans are agreed, and the loan speed is very fast.

3. Withdrawal of fund expenses: The withdrawal amount of fund expenses starts from 65,438+0,000 yuan, and the maximum is 200,000 yuan, which can be borrowed for 65,438+02 months at the longest. It is also an unsecured credit loan, and the down payment interest rate has been very stable. The borrower has no bad credit, stable repayment ability, meets the basic loan requirements, and can get the loan quickly if the comprehensive score reaches the standard.

4. Having money to spend: a small online credit loan with a maximum amount of 200,000 yuan, low interest and fast loan. At least 18~55 years old, with good personal credit, stable repayment ability and easy loan. There is no need to provide any qualification information during the loan process, just fill in simple information online, provide my valid ID card and bank card, and complete real-name authentication.

5. 58 Easy Loan: 58 financial credit loan, with the maximum loan of10.5 million, which is also one of the better lending platforms. Non-school students aged 22-50 use real-name registration system mobile phone number to register their accounts, fill in the basic information and submit it, and then upload their ID cards and bank cards to complete the authentication. They can borrow money through system credit and get the money on the same day.

The above is the relevant introduction of "Easy Loan Platform Ranking". Of course, there are far more than five platforms for friends to borrow money, and gold bars and borrowing are also good. Note that no matter which platform you borrow from, it is best to develop good repayment habits. If you have already borrowed, it is not difficult to borrow again.

Extended data:

Online loan application conditions:

I. Applicant

Online loans will require 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.

Second, Sesame Credit.

Many online loans need the authorization of sesame credit, so online loans need the applicant's sesame credit to be good, but different loan products have different standards for sesame credit scores. General applicants need to reach about 500% or 600%.

Third, personal credit.

Some online loans need to check credit information, and some don't, but in general, they still need the applicant's good personal credit.

Fourth, other conditions.

Online lending basically requires a mobile phone number and a bank card. 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.

Overdue repayment of online loans 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.

Second, what platform is good for borrowing money quickly without looking at credit information?

Xiaoman's platform is quite good, the review speed is very fast, and the application threshold is not high. If it is not too small, it depends on the credit information. My sister and I opened a nail salon together, and we spent too much money when we first started decorating. Seriously, is it reliable? The daily interest rate is only 13000, and the loan will be repaid in advance in a few months, which has no effect on the credit investigation!

Third, which is better to borrow quickly?

In other words, the channels of loans are all channels that can be borrowed in a broad sense, including intermediaries (the existence of this thing is to give you a handling fee and help you find loans from large and small channels); A formal management institution in a narrow sense, a contract signing lender. This time it is actually a channel in a narrow sense, so it is classified by institutions: 1. The bank. Don't be too general; Small demand: credit card (this consumer demand is very practical); General demand: consumer credit loan (5-30w), stable customers with good basic work, which depends on banks, such as China Bank, Huaxia Bank and Shanghai Pudong Development Bank. TZ didn't ask for interest, so it didn't start. Mortgage and real estate mortgage are the mainstream, and basic commercial banks do it. Great demand: commercial loans, credit and mortgages, which are related to banks' preference for enterprises. Summary: In principle, bank interest is the lowest in the market. Of course, there are certain requirements for customer qualifications. Many customers just didn't know their qualifications before. Write a special topic on this topic another day and discuss it. 2. Microfinance companies. This is that the private sector has a lot of capital. Ping An Pratt & Whitney, CreditEase, Jieyue, You and I Loan and other companies. All localities also have their own capital institutions. This is basically a credit loan, with a small amount ranging from tens of thousands to 1.5 million. Secondly, car loans are used for mortgage loans. Generally, there are car loan agencies in the local area. Summary: the interest is basically around 2 points. If the conditions are good, 1 point or more. 3. Online lending institutions. First of all, I am very optimistic about JD.COM White Stripes, Ant Flowers, Ant Loans and Micro-loans. Although they have never been used. . . . . Secondly, many organizations are also doing Internet data uploading and lending, which has not been studied. 4. Parents and friends. This channel is not impossible. When a friend is doing business, his parents owe him 390,000 yuan in interest. . It is really the most cost-effective family financial management. If you don't borrow it, your parents put the money in the bank and he went to the bank to borrow it, right? Even the national benchmark interest rate is ok. . . .