Now that loan platform is very easy.
At present, users are more likely to apply for loans such as Loan Bao, 360 IOU, Money Flower, Comfortable Flower, Banyan Tree Loan, Micro-loan, JD.COM Gold Bar, Gome E Card, installment music, pat loan, repayment, 58 easy-to-borrow foreign currency pot, enough flower and good loan. However, whether the loan platform finally meets the user's loan demand depends on the user's current personal qualifications. The higher the personal qualification (the higher the educational background, the more stable the work income, the better the credit record and the less the debt), the easier it is for the loan platform to apply for loans from users, and vice versa.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
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It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!
Which is better?
Software is easy to pass:
1. loan: as long as there is an application entrance and quota, it is basically acceptable after applying for a loan;
2.360 IOUs: pure credit loan products, as long as personal credit is good, the application pass rate is relatively high;
3. Zhilian good loan: Zhilian consumer finance credit loan products, sesame scores above 600 points can be applied;
4. Spend enough: As long as the personal credit information is good, the credit loan products of Haier Consumer Finance can basically apply for a quota of several thousand yuan.
4. willful loans. Suning Finance has discretionary payments and discretionary loans, among which discretionary loans are pure credit and can be applied directly online, with a maximum amount of 50,000 yuan, which can well meet the personal consumption needs of borrowers such as shopping, tourism and education. Online certification personal information, good credit can be a loan, the system automatically approves the loan, and you can get the money on the same day, which is suitable for urgent needs.
Which bank's loan is easy to pass?
Summarized some banks with easy loans, but it still depends on their own qualifications.
Bank of Communications
Enjoy loan and angel loan of Bank of Communications are two kinds of loans that are easy to apply for. As long as your credit information is good and you are a high-quality customer of Bank of Communications, this high-quality customer means that you have a credit card, a deposit and frequent and active business dealings with Bank of Communications, then it will be easier for you to apply for a loan and an angel loan.
Ping An Bank
Ping An Bank's new loan is relatively easy to apply for and the threshold is relatively low. As long as the borrower's monthly income exceeds 4,000 yuan and the borrower has worked in his own work unit for more than 6 months (including 6 months), he can apply for a new loan. The loan amount of this new loan ranges from 10000 yuan to 500000 yuan, and the loan period can also be freely chosen by the borrower. In fact, there are 12 months, 24 months, and the longest time is 48 months, and the release speed is relatively fast.
Shanghai Pudong Development Bank
Shanghai Pudong Development Bank launched a personal online consumer loan product. This product is Puyin Integral Loan. The fastest lending speed of this Puyin Integral Loan is within 5 minutes, and the maximum lending amount can reach 300,000 yuan. As for the application method of this Shanghai Pudong Development Bank, borrowers can apply directly through online banking, WeChat banking, mobile banking and other channels.
China Merchants Bank
E-loan of China Merchants Bank is relatively easy to apply for. This is a credit card loan. E, the loan interest rate is relatively low and the loan speed is also very fast. No information, no mortgage, just online application, and the application can be completed within 30 seconds at the earliest. The repayment time you choose is at least 3 months and the longest is 24 months.
Guangdong Development Bank
The e-second loan of Guangfa Bank is an Internet loan product. The amount of credit loan it can provide is 50 million to 300,000 yuan, which is repaid with the loan and bears interest on a daily basis.
Which loan platform is better and easier to pass?
A simple and reliable loan platform, and the loan platforms that are easier to pass are:
(1) Zhaolian Good Term Loan: For the credit products under Zhaolian Finance, it is best to apply online and review online, as long as the users have good credit and certain repayment ability.
(2) Ease Flower: The application threshold for Ease Flower is not high, and it is relatively easy to pass as long as it meets the basic loan conditions.
(3) Borrowing: As long as there is an application entrance and quota, borrowing can basically guarantee the success of the next payment.
(4) Micro-loan: You need to check the credit limit in advance, and users with good credit have a high pass rate.
(5)360 IOUs: pure credit loan products. If the age meets the requirements and the credit information meets the requirements, you can apply.
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it is best to withdraw cash in full, because I read someone else's bright post saying that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and it is safer to withdraw at least 60%.
After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.
First, the conditions that should be paid attention to in bank loans are:
(1) The applicant is at least 18 years old and has full capacity for civil conduct;
(2) The applicant has good credit;
(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;
(4) Having a legal and valid household registration certificate or a valid residence certificate;
(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest in full and on time.
Second, the loan risk.
(1) The agreed interest is seriously inconsistent with the actual interest. Because you signed the contract before the loan, but after the loan, you found that the actual interest was much higher than the agreed interest.
(2) The company that handled the mortgage loan closed down, the deposit and the real estate license could not be recovered, and the mortgage registration could not be revoked, which made it impossible to buy or sell real estate and make loans.
(3) The agreed interest rate is very low, but there are many other expenses (such as deposits and handling fees).
(4) Find a private person to handle the loan, and the money has been paid off after the maturity, and the lender does not cooperate with the cancellation of mortgage registration, or requires additional fees.
(5) Many "dirty" companies want your house, not profit.
Third, because of the so-called low risk and high profit, many private mortgage loans are now handled by many lending institutions. If there are more institutions, the market will be chaotic, and various problems will emerge one after another, and there will be many routines. Is private loans really not suitable for loans? No, after all, not everyone who needs funds can borrow money from the bank. Private loan companies have solved the problem that many enterprises and individuals urgently need money.
Which loan platform is easier to pass?
The borrowing platform is relatively easy to pass:
1, Meituan borrows money: Meituan credit loan, Meituan big data is good, and personal credit conditions are good, making it easier to borrow money. From the annualized interest rate of 7.2%, differentiated pricing will be implemented. Everyone's loan interest rate will be different. The final loan result is subject to the system evaluation.
2. Doudou Money: Pure credit loan does not need mortgage guarantee, the borrower meets the basic loan conditions, has no bad credit record, has high account activity, can try to borrow, and has stable repayment ability. The system automatically approves the loan, and the result can be obtained in a few minutes.
3. Financing e-loan: ICBC credit loan with a maximum amount of 500,000, which can only be applied by ICBC customers. If ICBC mortgage or credit card customers have a good loan repayment record and have bought wealth management products in the bank, the loan will be easier to pass, and the loan interest rate of 202 1 is still good.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
To spend money (member-only channel), click online measurement.
Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!
360 IOUs, with a maximum loan of 200,000!
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Staging music can be borrowed up to 50 thousand!
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