(1) Apply for a loan through the Internet. With the rapid development of internet finance, the online lending platform has been greatly developed. The advantage of online loan products is that the approval speed is fast. As long as the applicant's personal credit is good, he will soon get the loan issued by the loan platform. However, Internet loan products also have the disadvantage of high loan interest rate, and borrowers need to pay more borrowing costs.
(2) Apply for a loan through the mobile loan APP. With the development of Internet finance industry, many mobile loan apps have appeared. As long as the borrower downloads the loan APP on the mobile phone, completes the registration and fills in the personal data, he can quickly pass the loan review and get a loan. However, loan APPs are mixed, and it is a huge challenge for borrowers to find a suitable loan app.
(3) Apply for a loan from the bank. As long as the borrower's income is relatively high and personal credit is good, it is easier to get it from the bank. Among all the loan channels, the bank is the most ideal financing channel, not only the loan amount is relatively high. The loan interest rate is also relatively low.
(4) the company. Due to the high threshold of bank loans, many borrowers with poor conditions will be rejected by banks. If the borrower is in urgent need of a loan, he can choose to apply for a loan in the company or P2P platform. Although the threshold of these two loan channels is relatively low, the loan interest rate is also relatively high, and borrowers need to bear more borrowing costs.
(5) borrow money from relatives and friends. If it is only a loan of several thousand yuan, the borrower can borrow it from relatives and friends.
Second, where to go?
If you have a stable job and income and no bad overdue repayment record, you can apply for personal credit loans. That is, unsecured loans from banks. Generally, you need an ID card, proof of work income and proof of residence (renting a house is also acceptable). The specific amount is calculated according to your monthly income, which is generally 4-8 times of your monthly income and not more than 10 times. The interest rate rises according to the benchmark interest rate stipulated by the bank. The general loan term is 6 months, 1 year, 2 years, 3 years, with a maximum of 4 years.
If you want to know whether your qualifications meet the requirements or apply for a loan, you can log in to http://goo.gl/1nbmm for free assessment and application. We will recommend you to local banks and other formal lending institutions for free. This will save you a lot of time and trouble. If you need to know more, you can directly log on to http://goo.gl/GaIh0 and ask for the answers you need. Third, where to borrow money?
Users can apply through banks, networks and loan companies. Generally speaking, they can apply with personal credit, so the application threshold will not be too high. If you choose to apply online, you must choose a formal online lending platform, such as having a financial license, legal loan interest, and no upfront fees.
When applying for a third-party platform, you need to pay attention to whether the small loan cooperated by the platform is formal.