At present, most loans are free in the early stage, so it is generally not recommended that you choose those that are charged in the early stage. You can go to Baidu's local small loan company or the website of the Industrial and Commercial Bureau.
Second, is there a charge for the next paragraph of Zhaolian Finance?
All loan companies (including Zhaolian Finance) will charge customers fees as long as they pay, and the fees will bear interest according to the loan interest rate 1 day.
3. If there is no upfront fee, is there a loan to be paid in the next installment on the same day? These three kinds of real payment only charge!
A platform with upfront fees means that you need to pay a certification fee to submit a loan application, or you need to buy a member to get a loan, so strictly speaking, there is upfront fees. The upfront cost of borrowing will increase, so is there a platform for the next payment on the same day without upfront cost? I found that several of them didn't start charging until they paid the down payment.
JD.COM gold bar upfront fee: no down payment on the same day: under normal circumstances, the loan amount of JD.COM gold bar is between 50,000 and 200,000 within 30 minutes after application. Users who pass the system evaluation can get the loan quota, and they can apply for loan services if they have the quota. According to the feedback from most users, JD.COM gold bars arrive very quickly, usually within 30 minutes after application. After the loan amount arrives, the fee will be charged on a daily basis. If the application fails and the loan amount has not yet arrived, there is no charge for ants to borrow it. Pre-payment: no payment on the same day: AliPay balance will be received in real time, and it is expected to be received within two hours after withdrawal to the bank card. Ant Borrowing is also a loan product with no upfront cost. Similar to JD.COM gold bars, the amount of loans borrowed by ants is between 1 300,000-300,000 yuan. The usage of each account is different, and the amount of ant borrowing is also different. This product can choose to lend money to Alipay account or to savings card, and the two different lending methods have different arrival times. At the same time, the product also bears interest on a daily basis, and there is no charge for unsuccessful application. Early stage of micro-loan: no payment on the same day: no telephone audit, and it will arrive a few minutes after application; There is a telephone audit. After the approval, micro-loan has always been a competitor of JD.COM Gold Bar and Ant Borrowing, with similar products and similar interest-bearing methods. The loan amount of microfinance is between 500 yuan and 300,000 yuan. The system will make a comprehensive score according to the user's personal information. If the comprehensive score meets the requirements, the loan amount will be obtained. If the comprehensive score is insufficient, the loan cannot be made. Micro-loan is also a daily interest-bearing model, and there is no upfront fee for unsuccessful borrowing. The above three loan products are products that do not charge upfront fees, and the next payment is faster, which is more in line with the needs of most borrowers. However, these three products also have several things in common. For example, the loan threshold is high, and overdue repayment affects credit reporting. However, these three products are relatively consistent in terms of whether to charge the upfront fee and whether to make the next payment on the same day.
4. Who knows where there is a loan company with no mortgage, no guarantee and no upfront cost in Kunming, such as the one in the next paragraph?
At present, many banks and financial institutions only need to pay interest and loan amount according to the agreement.
If the payment is made on the same day, it is recommended to apply for personal credit information. If the preparation materials are complete, the payment can be made on the same day at the earliest.
reserve fund
Identification materials (ID card, household registration book)
Proof of repayment (income, work certificate)
Fixed address information (neighborhood Committee certificate or water and electricity invoice)
Credit report information