Nowadays, people have begun to accept consumption in advance, because they can buy their favorite goods through consumption in advance. Of course, people can also use various loan software when spending in advance. Spending money, borrowing money, micro-lending and spending money are the four major loan platforms and consumer credit platforms that have attracted more attention at present. What about these four loan platforms and consumer credit platforms? Let me give you a detailed introduction.

Ant credit payment

The full name of flower bud is ant flower bud, which is a credit product launched by Ant Financial. Alipay users can get a spending quota ranging from 500 yuan to 50,000 yuan after applying for opening. Ant Flower Garden can provide users with corresponding consumption quota through big data operation and risk control model according to consumers' online shopping situation, payment habits and credit risk.

borrow

Borrowing is a loan product launched by Alipay platform, which is mainly aimed at high-quality Alipay users. At present, the application threshold is above 600 points, and the loan amount that users can apply for varies from 1 0,000 yuan to 300,000 yuan according to the score. The longest repayment date can reach 12 months, and the daily loan interest rate is about 0.045%.

petty loan

Micro-loan is an Internet banking loan product launched by Tencent Weizhong Bank, which provides users with pure online credit services. At present, the platform adopts the user invitation system, and invited WeChat users and mobile QQ users can apply for loans on the platform.

At present, micro-loans can provide users with credit lines ranging from 500 yuan to 300,000 yuan. According to the individual comprehensive situation of users, individual loans can provide users with loan amounts ranging from 500 yuan to 40,000 yuan.

Have money to spend

Qianhua is a credit service brand launched by Baidu Finance. Its orientation is to provide personal consumer credit services for the public and create an innovative consumer credit model.

Relying on the advantages of Baidu technology and scenarios, Baidu artificial intelligence and big data risk control technology are used to provide users with Internet credit services.

Iman Loan is a personal credit loan product that Youhuahua cooperates with seven major banks. Just fill in the identity information and submit the materials to get the loan amount. The maximum loan is 200,000, and the daily interest rate is as low as 0.02%.

Exclusive loan is a personal single loan product owned by Youhuahua, which is suitable for users who need a large one-time loan. Just fill in the identity information and submit the materials to get the loan amount. The maximum loan is 300,000, and the monthly interest rate is as low as 1%.

To sum up, it is a detailed introduction to the four loan platforms and consumer credit platforms, namely Huabai, Lending Bar, Microfinance and Qianba, hoping to provide some reference for borrowers.