The 10 formal online lending platforms recognized by the state mainly include: Huayou, Jingdong Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption, Zhaolian Good Term Loan, etc.
The following is a brief introduction of Bian Xiao's licensed financial background based on this platform.
1. Money to spend: Xiaoman Finance's credit products are a formal and reliable lending platform, in which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.
2. Credit loan
The loan has been renamed as a credit loan, and the safety index is relatively high. At present, as long as it can meet the sesame credit score of more than 600 points. The loan amount that can be applied for ranges from1000-300,000 yuan.
If there is demand, I recommend that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and an official license. Its main business is money loan service, with Baidu's brand background and technical support.
In addition, Du Xiaoman also owns wealth management, wallet payment, insurance brokerage and other businesses, and accordingly obtained securities and futures licenses, payment business licenses and insurance intermediary licenses. These licenses are complete and open, in line with national supervision.
What are the top ten conscience loan platforms?
Official guarantee platform with low loan interest:
1 360 borrowing money
A pure credit mobile phone loan under 360 Finance is a financial industry that 360 began to set foot in in recent years. The feature of this small loan APP is that the next paragraph is very fast. If you need money badly, you are right to choose this product. However, the interest rate is high, so you should calculate the cost before applying.
2. Recruit good loans
Zhaolian Good Term Loan is a loan platform under Zhaolian Finance, with a quota of less than 200,000 yuan. You don't need to provide mortgage and guarantee, you can apply for sesame seeds. Zhaolian Good Term Loan has the dual background of China Unicom and China Merchants Bank, and its reliability is still very high.
If there is demand, I recommend that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and an official license. Its main business is money loan service, with Baidu's brand background and technical support.
In addition, Du Xiaoman also owns wealth management, wallet payment, insurance brokerage and other businesses, and accordingly obtained securities and futures licenses, payment business licenses and insurance intermediary licenses. These licenses are complete and open, in line with national supervision.
There are licensed small loans in the market, such as Du Xiaoman, Zhong 'an Small Loan, 360 IOUs, Pat Loan, Foreign Currency Pot Rice, Provincial Bank Loan, Micro Loan, Borrowing Loan, Staged Music, Banyan Tree Loan, Jingdong Finance, Ping An Pratt & Whitney, Mashan Finance and its bank small loan products. I have used several products in business turnover before. In fact, all small loan platforms have internal application portals, with low interest and convenient payment. Share it with those in need and scan the QR code below to enter!
Use Baidu's artificial intelligence and big data risk control technology to encrypt, monitor and protect personal information. Every time you issue a loan, you need to verify the password and other verification items, and you can only lend it to the bank card in the lender's own name, so you can use it with confidence.
3.JD.COM gold bars
A product with the same name as Bai Jie is a cash lending service customized by Jingdong Finance for its users, but not everyone has it. Only after passing the system evaluation can they apply. If they are not eligible to apply, the page will display "unable to provide services for you".
Everyone will be short of money sometimes. If you are in urgent need of money, you can get a loan through the following methods: Apply for online loans to borrow money: Most online loans are credit loans and do not need guarantees and mortgages, such as borrowing money, micro-loans and JD.COM gold bars. After the application is successful, the next payment is very fast, and you can usually borrow money on the same day.
Top ten lending platforms
The top ten conscience loan platforms are: Du Xiaoman Finance, Zhong 'an Small Loan, Provincial Bank Loan, 360 IOU, Zhongyuan Consumer Finance, Paipai Loan, Yijuhua Loan, Good Term Loan, Gome Easy Card and Micro Loan.
1, full of finance
Baidu's financial services are small and comprehensive, and the amount is high. It will be approved in 30 seconds, 12 will be returned in installments! In the era of intelligent finance, Du Xiaoman will give full play to Baidu's AI advantages and technical strength, and join hands with financial institution partners to provide reliable financial services for more people with technology.
2. Zhongan Small Loan:
Zhongan Small Loan is an unsecured, pure online consumer credit platform, focusing on providing instant loan services for individuals and small and micro business owners.
The credit line is high: the loan amount is 500-500 million yuan, the installment is long, the longest repayment can be made in 60 installments, the interest rate is low, the daily interest rate is as low as 0.02%, the approval is fast, the running water is not considered, no paper materials are needed, the formal platform and the bank lend money, and there is no need for face-to-face review and repayment.
Step 3 save it:
Save it, cash installment loan, the maximum comprehensive amount is 200 thousand. It is a credit service platform that provides safe, stable and convenient loan services for young people aged 2 1-45. Provide regular and convenient services for small users.
4360 IOUs
360 IOU is a consumer credit brand under 360 Digital Group, with a maximum loan amount of 200,000. You will have the opportunity to apply between the ages of 23 and 55.
5. Loan at any time:
Anytime loan is a variety of different lending services, and it is also a mobile phone financial software relying on the Internet, with flexible loan amount.
6. Rent a shot:
The loan process is simple, and online credit review is fully automated. From the arrival of the account to 5 minutes, the small amount is easy to borrow, and the large amount is as high as 200,000, and the whole process is applied online.
7. Comfortable flowers:
Anyihua is a consumer loan product immediately launched by consumer finance, providing users with a maximum credit line of 200,000.
8. Long-term loans:
Good term loan is a credit consumption loan launched by Zhaolian Finance, with a maximum amount of 200,000.
9. Gome Easy Card
Gome Electronic Card is your virtual personal credit account. Once you apply for the application of recycling system, your personal credit will be higher and higher after reasonable use. The software integrates online and offline scenes to show customers independent innovative financial services. The software includes many services, such as recycling system quota, personal provident fund quota, online shopping mall, credit card repayment service and so on.
10, 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. It was launched on mobile QQ in May of 20 15 and on WeChat in September.
What are the loan platforms?
There are still many formal loan platforms, and here are only three of them.
First of all, there is money to spend.
Qianhua is a credit service brand owned by Du Xiaoman, which can provide loan services for individual consumers and small and micro business owners, and is the choice of many small and micro business owners.
Users whose age and information meet the requirements can try to apply for funds in Xiaoman APP. When applying for the quota, the system will evaluate it according to your comprehensive situation, and then give the specific quota and the corresponding interest rate. If you think the interest rate you apply for is acceptable, you can try to apply for a loan.
Second, excuse me.
Borrowing is a consumer credit loan product in Alipay. Users can apply for a loan directly through Alipay, find the loan on Alipay My page, and then try to apply for opening according to the page prompts.
The third is micro-credit loans.
Micro-loan is a credit product of Weizhong Bank. At present, there are two application channels: WeChat and mobile QQ. Take WeChat as an example. As long as we can find the words "micro-loan to borrow money" on our service page, we can try to apply for opening, and the system will review it. Users who can successfully open and get a quota can try to apply for a loan.
The application methods of these three platforms are still quite similar. We just need to find the product entrance in the corresponding app, click enter, read the agreement according to the prompt and agree to open it, and then we can try to apply for the quota. Users who get the quota can try to apply for a loan.
What are the more formal online lending platforms?
Reliable loan platforms include: Ant Lending, JD.COM Gold Bar and Xiaoman Finance.
1, ants borrow it:
Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay, which was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their journey to the Internet through the "Internet Booster Program" and providing inclusive finance services to small and micro enterprises and individual consumers.
Borrowing money is a loan service launched by Alipay, and the current application threshold is that sesame scores are above 600. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
At present, the consumer loans issued by e-commerce giants are mainly aimed at the staged consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios have also started.
2.JD.COM gold bars:
As a sub-brand of digital technology in JD.COM, JD Finance includes personal finance, corporate finance, financial technology and other sectors, and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs and increase revenue, and working with financial institutions to better serve individuals and corporate users.
Top ten conscience loan platforms
Everyone can get a loan in an emergency, and then they can solve the urgent need, so borrowing has become a part of our life. However, most people don't know how to choose when borrowing money. Now let's introduce ten conscience loan platforms, namely Alipay, Du Xiaoman, Tencent, 360, Xiaomi Finance, Zhaolian Finance, Mashan Finance, JD.COM, 5 1 provident fund manager and installment music.
Introduction of Top Ten Loan Platforms
1, loans, consumption and online commercial loans through Alipay are all safe and reliable loan methods;
2. Du Xiaoman belongs to a loan platform owned by Baidu, mainly with money and satisfactory loans. Their advantages are long installment time, low interest rate and relatively high loan amount;
3. Tencent's main business is micro-lending, but micro-lending is an invitation system, and not everyone can use it;
4.360' s 360 loan is a relatively conscience loan platform. As long as you are an adult, you can borrow money, and the loan amount is limited to less than 200 thousand;
5. Xiaomi loan under Xiaomi Finance supports installment repayment and loan repayment;
6. China Merchants Finance's recruitment of good term loans is an ancient loan method and a formal platform for conscience;
7. Instant Finance's comfort flower is also very conscientious, and it is a formal platform for large companies to endorse;
8.JD。 COM's Jingdong Finance is also very conscientious, divided into white bars and gold bars, with different functions;
9.5 1 provident fund manager is mainly suitable for users who have paid the provident fund, and can provide provident fund and social security loans, and release them at multiple points during the initial review;
10, installment music is also a loan platform with good reputation.
The above is the introduction of the top ten conscience loan platforms.