1, borrowed by ants
Ant Financial is a regular licensed organization, and the platform application portal is placed on Alipay, which has high security performance. The daily interest rate is generally between 0.0 15%-0.06%, and the annual interest rate is 5.48%-2 1.9%, which is low interest and protected by law.
2. Microfinance
Weizhong bank products, formal lending institutions, the application entrance can only be opened through Tencent's official invitation, and the converted annual interest rate is 7.3%- 18.25%, even lower than the present value of private lending rate which is not more than 4 times the LPR interest rate, which is very low and completely within the scope of judicial protection.
As for the capital turnover, we need to find a small amount, that is, the original Baidu Finance, the loan amount ranges from 5 million to 200,000, the annualized interest rate starts from 7.2%, 1 interest is borrowed from 2 yuan 1 day, the daily interest is unsecured, pure credit, the whole process of online application for ID card and bank card, the fastest approval is 30 seconds, and 65438+ is received.
References:
Du Xiaoman has money to spend on official website.
3.JD.COM gold bars
Jingdong Finance provides cash loan service based on JD.COM shopping platform. It is a regular licensee, with a minimum daily interest rate of 0.02%, a monthly interest rate of 0.39%- 1. 13%, and a converted annual interest rate of 4.68%- 13.56%. It is an ultra-low interest loan platform.
4. China Postal Consumer Finance
Established with the approval of China Insurance Regulatory Commission, it is a licensed institution. The official app name is "China Postal Wallet", and China Postal Savings Bank holds shares. The annual interest rate of its postal savings loan is between 10.80% and 23.76%, and the annual interest rate of other loan products is between 14.04% and 23.76%, which is absolutely low among the products of many consumer finance companies.
5. ICBC Financial Electronic Loan
Formal consumer credit products of China Industrial and Commercial Bank can be handled through mobile banking, online banking or downloading ICBC e-Life. The annual interest rate of the loan fluctuates according to the latest loan market benchmark, namely LPR interest rate, and the minimum annual interest rate is LPR+0.5%. You know, the one-year LPR interest rate in February 2022 has dropped to 3.7%, which is completely legal and compliant and ultra-low.
6.ABC Network Dai Jie
Online lending is a low-interest credit loan issued by Agricultural Bank of China to high-quality customers. Online self-service application is available, and the system automatically approves loans, with a maximum loan amount of 200,000. Customers with installment time exceeding 12 can enjoy a minimum loan interest rate of 4.35%. However, the regulations in each region are slightly different, and borrowers need to carefully check the loan treaty before applying.
7. Postal savings white-collar loans
"White-collar loan" refers to a loan product without any mortgage issued by the Postal Savings Bank to eligible borrowers under the condition of maximum revolving credit. 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.
8. CCB Express Loan
CCB Express Loan is a pure credit loan. Borrowers can directly find "I want a loan" on the mobile banking APP and then apply for a loan. The maximum loan amount that CCB can provide to users is 200,000 yuan, and the longest repayment period is 5 years. From the feedback of actual users, it is difficult to apply for 200,000 yuan, but it is relatively simple to apply for a loan of 20,000 yuan.
9. BOC Easy Loan
The maximum loan amount of BOC e-loan can reach about 300,000 yuan. However, the loan amount of each applicant is subject to the comprehensive evaluation results of the bank. Bank of China will comprehensively evaluate the applicant's credit, income, work, fixed property, etc., and obtain the credit line after passing the evaluation. In addition, the validity period of Bank of China's e-credit line is 12 months.