The top ten official online lending platforms recognized by the state mainly include: 1, Ping An Hewlett-Packard, 2, Jingdong Finance, 3, Suning Finance, 4, Paipai Loan, 5, Microfinance, 6, Lending Treasure, 7, Xiaomi Loan, 8, 360 Lending Treasure, 9, Spending Money, 10, and.
1, Ping An Pratt & Whitney
Ping An Pratt & Whitney is an online lending platform owned by China Ping An, which is quite reliable in terms of security. There are also many loan products, such as I loan, life insurance loan, excellent mortgage, owner loan and owner loan. Users can choose according to their own needs.
2. Jingdong Finance
Jingdong Finance belongs to the JD.COM platform. The white bars and gold bars of Jingdong Finance can help people in need to borrow money. There are fewer white bars and more gold bars.
3. Suning Finance
Suning Finance should be familiar to many people, and its main loan product is Suning's discretionary payment. The loan amount that can be repaid at will can be as high as 200,000 yuan, mainly because the threshold for applying for the loan amount is low, which can meet the needs of adults over 18 years old, and they can apply if there is no bad record in the credit report.
Step 4 rent a shot
Pat loan is also a very reliable online loan platform. It is understood that it has existed for ten years and has been listed in the United States. The auction loan can reach up to 200,000 yuan.
5. Microfinance
"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. Invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan.
6. Borrowing is a reception service of Alipay, and its safety index is relatively high. At present, as long as it can meet the Alipay sesame credit score of more than 600 points. The loan amount you can apply for ranges from1000-300,000 yuan.
7. Xiaomi loan
Loan products belonging to Xiaomi financiers provide installment services. The application process is a bit cumbersome, but it supports lending and returning. Generally speaking, it is quite reliable.
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Its main characteristics are fast lending speed and low application threshold. The daily loan interest rate is as low as 0.027%, which is equivalent to an annual interest rate of 95%. There is no need for a complicated application process, and the mortgage can be repaid as soon as it is applied.
9. Have money to spend
Baidu loan platform can meet the needs of different borrowers according to different loan businesses. The loan method is simple, mainly because the interest is low, and the loan can be repaid as you borrow it.
10, recruit a good term loan.
It is a lending service launched by Zhaolian Consumer Finance, occupying the top ten of formal online loans for a long time. The formality of the platform is self-evident, and the loan amount is generally around 200,000-200,000 yuan. The production line can be recycled within 3 years.
Where do you want to get a loan?
Want to borrow money from the bank. Banks are legally established financial institutions engaged in monetary and credit business in China. If the borrower needs funds, he can go to the bank to handle the loan business. Banks have many loan products to meet the borrower's capital needs.
Banks can provide loans to individuals and enterprises. Personal loans include personal housing loans, personal business loans, personal consumption loans and personal study abroad loans. Enterprise loans are divided into: fixed assets loans, credit loans, secured loans, stocks, etc. Borrowers can go to the bank to consult specific matters.
Users need to meet certain loan application conditions when they go to the bank to handle loan business.
Individual housing loan application conditions:
1. A natural person aged 18 with full capacity for civil conduct.
Two, with legal and valid proof of identity and marital status.
3. Have a valid household registration certificate or a valid residence certificate.
4. Have a good credit record and willingness to repay.
Five, have the ability to repay the loan principal and interest in full and on time.
Six, with commercial housing sales (pre-sale) contract or purchase letter of intent, or with the purchase of second-hand housing sales contract/agreement.
Seven, have the ability to pay the down payment of the purchased house.
Eight, can provide the bank's approval of the guarantee method and contract.
Which platform is good for personal loans?
Top ten loan platforms, which are the best loan platforms:
1. Alipay-Ant Borrow
Ant Borrowing is a loan product of Alibaba, which is used for personal consumption. Borrowing money on bail pending trial can be repaid with the loan, and there is no penalty for prepayment. It's easy to use, and the loan is quick. One second to Alipay, the daily interest rate is between 1.5-6.5. The initial interest rate is high, so it is used much, the repayment is timely, there is no overdue record, and the interest rate will gradually decrease. As long as the sesame score is above 600, Alipay uses more.
2. WeChat-Microfinance
Micro-loan is a loan product of Weizhong Bank. It is very convenient to apply on wechat. After entering WeChat, click "My"-"Pay" to see the entrance of micro-loan. Micro-loans will give a certain credit line according to the comprehensive qualifications of users, and interest will be calculated on a daily basis. You can also use the average capital repayment method to repay from the bank card every month.
3, Baidu-money to spend
Money is a personal consumption loan product owned by Du Xiaoman (formerly Baidu Finance). You can apply online without mortgage, complete the approval in 30 seconds at the earliest, and lend money in 3 minutes at the earliest. The loan can be repaid in advance with a maximum amount of 200,000 yuan and a minimum daily interest rate of 0.02%.
4. Suning-willful loan
The interest-free period for willful new users is not short. The longest interest-free period is 30 days, and the lowest daily interest rate is 0.02%. You can repay the loan in advance, up to 300 thousand. Online application will be automatically approved by the system, and it will take up to 3 minutes to arrive. There is no charge for the unused quantity.
The above contents are for reference only and do not contain any loan suggestions. Online lending is risky, so choose carefully!
Where can I get a loan?
Peer-to-peer loans, micro-loans, bank loan products and policy loans are all available.
1, peer-to-peer lending
With the development of Internet, peer-to-peer lending is now a very common way to borrow money. Various P2P platforms can be lent to you as long as they are approved, and the interest is quite high.
2. Microfinance loans
As can be seen from the name, this kind of loan does not need collateral, no guarantee, and depends entirely on credit. However, the audit is extremely strict, and only state-owned enterprises, central enterprises, civil servants, listed company personnel, lawyers, etc. can enjoy it.
3. Bank loan products
For example, lightning loan, quick loan these. Go to the Bank of official website and you can see the introduction. If necessary, only interest is calculated. Loan platforms and companies. There are many loan platforms and companies that can borrow up to 65,438+million, and the threshold is low and the next payment is fast.
4. Insurance policy loans
If you fail to repay the loan, you will directly deduct the principal and interest from your policy until the contract is terminated. Anyway, the insurance company won't lose money, just mortgage the policy to it, and it will lend you money to charge interest.
Extended data
1. Bank cash installment. Almost every bank has its own cash installment product, which overdraws from the bank card like withdrawing money and repays in installments, and the interest rate is slightly higher than the formal loan of the bank.
2. Internet finance. For example, Ali borrows money and Jingdong Finance makes small loans. However, the interest rate is very high. For example, the annualized interest rate of Ali's loan is almost 15%.
3. Credit card cashing. Special emphasis: credit card cashing is risky, and it is likely to be banned and blacklisted by banks. This is a helpless move that bank loans and cash installments are not feasible and money is urgently needed.
4. Other companies are everywhere, with high interest rates, almost all above 20%, and various hidden costs. If it is not life-saving money, it is still not recommended.