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 and 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 for small and micro enterprises and individual consumers.
Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. 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 are also starting.
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.
JD.COM gold bars are credit loan products. If you can't apply for a gold bar loan in JD.COM or don't have a gold bar entrance in JD.COM, it means that your information has not passed the system evaluation for the time being, and you can't provide gold bar loan service at present.
JD.COM gold bar is a credit loan product. According to the comprehensive evaluation of the system, it is not supported to open the application at present. If you click on the gold bar entrance and then click "I can't serve you", you will not be able to open the gold bar for the time being. You can find gold bars in two places:
(1) jingdong financial APP:
Home-borrowing money-gold bars or my-my gold bars?
(2)JD.COM Mall APP:
My wallet, gold bars
3, the degree of small full financial:
Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a brand new brand "Du Xiaoman Finance" to achieve independent operation.
Baidu's internet finance business began in 20 13, and in 20 15, the existing financial business was integrated into a financial business group, and the financial business was raised to Baidu's strategic position, and Mr. Zhu Guang, senior vice president of Baidu, was fully responsible.
What kind of loan is reliable?
1, Alipay
Alipay is an app that everyone is familiar with. Its flower garden, loan, online business loan and reserve fund can provide loan services for everyone, with the amount ranging from 5 million to 300,000. According to everyone's sesame credit score, you can get different quotas, and the loan is relatively safe and reliable.
Step 2 have money to spend
Easy Loan with Money is a formal loan app recommended by Bian Xiao, and it is also one of the most reliable loan platforms in 202 1. The loan amount is as high as 0.2 million/200 thousand, and people with good credit generally lend 30 thousand to 50 thousand. The term is 12 months and 24 months, and the interest is calculated daily. The minimum annualized interest rate is only 72%.
3. Stage music
The old platform is also trustworthy and a relatively reliable loan app. At present, the maximum loan amount is 50 thousand yuan, which can be divided into 36 months at the longest. For users with good credit or friends of pure white households, it is very easy to pass, and the same day will be fine.
4360 IOUs
The big platform is relatively reliable. 360 loan is a pure credit loan app under 360. Users above 18 can borrow, with a maximum amount of 200,000 yuan and a loan term of 12 months. Interest is calculated on a daily basis, and new users have the opportunity to participate in interest-free activities.
Step 5 have money to spend
Baidu's credit loans are not very demanding to borrowers. You can register an account with your mobile phone, provide a valid ID card and bank card to complete the authentication after improving your personal information, and you can get a loan after obtaining the quota. The system automatically approves loans, which can be quickly received.
6. Gome Easy Card
The loan age requirement of Gome Easy Card is strict, and it needs 18-45 years old. After you borrow it, you can return it with it, and the review is fast.
7. lend it to you
Lend you an online platform with a loan amount of 500,000-200,000. You need to provide your second-generation ID card, your savings card and sesame credit sub-authorization.
8. New loans
Xinyi Loan is a credit product of Ping An Bank. At present, the maximum amount that can be applied for is 500,000 yuan, and the longest installment time that can be selected is 60 periods, that is, 5 years.
9. White collar loans
The maximum loan amount for white-collar loans is 300,000 yuan, and the borrower must provide his/her valid ID card, work certificate, income certificate, marriage certificate and other materials.
10, please
Borrowing is a cash loan product of Alipay, which supports cash lending. The maximum loan amount is 300,000, and the loan interest is calculated on a daily basis. The daily interest rate ranges from 0.0/kloc-0.5% to 0.06%. At present, borrowing does not support users to apply for opening.
Which lending platforms are more reliable?
Reliable lending platforms include Ant Lending, JD.COM Gold Bar and Du Man Finance.
1, ants borrow it:
Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and 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 Promotion Plan" and providing inclusive finance services for small and micro enterprises and individual consumers.
"Borrowing" is a loan service launched by Alipay. At present, the application threshold is more than 600 sesame seeds. According to different scores, the loan amount that users can apply for ranges from 1 0,000-300,000 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, consumer loans issued by e-commerce giants are mainly aimed at the staging of consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios are also starting.
2.JD.COM gold bars:
As a sub-brand of JD.COM Digital Technology, JD Finance includes personal finance, corporate finance and financial technology. , and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs, increase income, and work with financial institutions to better serve individuals and corporate users.
JD.COM Gold and Silver is a credit loan product. If you can't get a gold bar loan in JD.COM or you don't have a gold bar entrance in JD.COM, it means that your information has not passed the system evaluation for the time being, and you can't provide gold bar loan service at present.
JD.COM gold bar is a credit loan product. According to the comprehensive evaluation of the system, opening the application is not supported at present. Click on the entrance of the gold bar and then click "I can't serve you", so you can't open the gold bar temporarily. You can find gold bars in two places:
(1) jingdong financial APP:
[home]-[borrowing money]-[gold bars] or [me]-[my gold bars]
(2)JD。 COM mall application:
[My]-[My wallet]-[Gold bars]
3. The degree of small full financial:
Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a new brand "Du Xiaoman Finance" to achieve independent operation.
Baidu's internet finance business began on 20 13. 20 15, the existing financial business was integrated into a financial business group, and the financial business was upgraded to Baidu's strategic position. Mr. Zhu Guang, Senior Vice President of Baidu, is fully responsible for this.
What are the more reliable loan platforms?
It is recommended to choose formal channels to handle loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through the mobile banking app, or you can check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.