whether online business loans and loans are good or not depends on individuals. Online merchant loans have become a common phenomenon among people who are short of funds. Online merchant loans and Xiaoman are popular online loans now. Online merchant loans also refer to the borrowing of Alipay, and the sesame credit score should be above 6. You should have flowers before you can borrow, which is online merchant loans. Xiaoman Finance is a trustworthy financial service launched by Baidu Finance, and both online merchant loans and Xiaoman are good online lending platforms for users.

first, online merchant loan

online merchant loan also refers to Alipay's loan, which is a loan service launched. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is .45%. On January 9, 218, or due to excessive leverage and violation of the central bank and relevant regulatory requirements, some user accounts were actively closed to control the loan balance. At present, the consumer loans launched by e-commerce giants are mainly aimed at the installment of this e-commerce platform consumption scenario, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another.

Second, Xiaoman Finance

Xiaoman Finance is the former Baidu Finance. In April 218, Baidu Finance completed the signing of the financing agreement and launched a brand-new Xiaoman Finance. Xiaoman Finance mainly includes Hua Qian, Xiaoman Wealth Management (formerly Baidu Wealth Management), Xiaoman Finance (formerly Baidu Wallet) APP products and services, and financial technology capabilities exported to financial institutions and other partners. At present, there are more than 5 cooperative financial institutions. Xiaoman Finance is the original Baidu Finance. In April 218, it was announced that its financial services group () officially completed the signing of the spin-off financing agreement, and launched a new "Du Finance" after the spin-off. Both the background and the loan interest rate are very reliable in the industry. Xiaoman Financial's loan means that Baidu has money to spend.

To sum up, online merchant loans and Xiaoman loans are both formal lending platforms, and users in need can choose the platforms for loans according to their personal needs.