Want to find a platform where you can get loans if you are over 19 years old?

Which online loan is the best to borrow money from:

1. Have money to spend. Youqianhuaweidugun is a personal credit loan brand under Xiaoxu Xiaoman Financial. Youqianhua opens borrowing qualifications to the public. Non-students over the age of 18 can apply for loans through the Youqianhua APP. Users only need to provide Once your ID card and bank card are authenticated, and you have a credit limit after being reviewed by the system, you can borrow money.

2. Weilidai. Weilidai is a loan product under Tencent Group. Users can borrow up to Shenyuan 200,000. It is an unsecured credit loan. You can check the limit in WeChat Wallet or QQ Wallet.

If necessary, we recommend you to use Youqianhua, which is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, changed its name to "Youqianhua" in June 2018) , big brands are reliable, have low interest rates and are trustworthy. Money to spend - Manyidai, the loan limit is up to 200,000 (click the official free test limit), the daily interest rate is as low as 0.02%, with easy application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest fees, and safety Strong characteristics.

Share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your Debit card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply. Online loans are risky, so be careful when choosing!

The easiest loan platform to pass

The easiest loan brand to pass now is definitely Alipay’s loan platform. Alipay’s loan platform is the easiest to pass The lending platform is very easy to use. Because Alipay is a really good loan brand. As long as you successfully apply for registration, authenticate your real name, and bind your bank card, your strength will be evaluated, and then he will pass your application. The strength assessment will lend you money, and then you open Huabei. After borrowing money, you will naturally borrow a certain amount of money from Huabei, and then you can borrow money at will within this limit. It is true that you can withdraw money at will. The easiest borrowing platform is Alipay. This lending platform.

What formal loan websites are there?

The following are recommendations for formal online loan platforms, for reference only:

1. Borrow with Alipay

Whether you can borrow money mainly depends on the borrower If the sesame score is low or does not reach a certain sesame score limit, the loan will also be rejected.

2. Jingdong Baitiao

Jingdong Baitiao is mainly a credit value of the user’s shopping and the amount of shopping spent. The higher the consumption, the naturally usable Jingdong Baitiao will be With growth.

3. Mobile phone loan

Mobile phone loan is mainly a platform jointly developed by mobile companies. It refers to the user’s personal credit report, such as in daily life. For reference, please refer to the loan behavior i and bank card flow in. There are many loan methods to choose from such as house mortgage, mobile phone purchase, and mobile I-Tiao loan. It mainly depends on how you choose.

4. Alibaba

The P2P model created by Alibaba is led by Alibaba’s offline loan companies, providing loans below 500,000. Ali's small loans are different from the P2P online model we often talk about.

5. Paipaidai

The first P2P online lending platform in China, started with a registered capital of 100,000. To implement conditional compensation to investors, investors need to bear certain risks, but Paipaidai has better review and collection mechanisms and lower management costs.

Paipaidai has been innovating concepts. The most obvious example is to cancel the review: put aside any aspect of the transaction, turning Paipaidai into an isolated platform, where lenders and borrowers Trade completely on your own. Paipaidai only serves as a third party to "witness" the legally binding loan relationship.

6. Renrendai

The characteristic of Renrendai is that it focuses on risk control, the review process is relatively complicated, and the credit limit is very low. It feels that it is only suitable for particularly small loans. Because there is no advance payment, the lender needs to bear certain risks, but Renrendai has strict review of borrowers and a mature maturity mechanism. In particular, it is important to mention that the expected annualized interest rates of Renrendai are generally low.

7. Yili.com

Has a Wall Street team background, and is not inferior to others in terms of online publicity. The borrowing cycle is long, but it provides good interest through expected annualized income. It makes up for it, and it feels very safe no matter how you look at it.

What platforms can you choose for consumer credit loans?

Because consumption is getting higher and higher now, many students may choose consumer credit loans. In fact, such loans are still good for students. But you must make a loan within your own economic consumption range, because the loan must be repaid on time. So which platforms can you choose for consumer credit loans? Today, the editor will introduce to you the consumer credit loan platform.

1. You can choose bank credit

Because choosing a bank may make your loan more secure. On some platforms, if you choose to take a loan, there may be some scams. Then in the bank, you only need to repay the loan amount on time, and bank credit personal consumption loans need to choose some finance that can be mortgaged, so the interest will be very small at this time. So when choosing bank credit, the most important thing to ensure is personal credibility, because banks attach great importance to personal consumer credit. If you have consumption data but no credit, you will definitely not be able to get a loan from the bank.

2. Choose a loan platform

In addition to banks, there are many loan platforms, such as 360 IOUs. On this type of platform, you don’t have to worry about not being able to pay back the money, because originally, students can’t borrow much money, so it is still very suitable for students’ needs. For adults, the loan amount may be relatively large, so they need to choose products from large platforms. For example, you can borrow up to RMB 50,000 in an installment loan, which is more in line with an adult's life. But what people must keep in mind is that the loan must be within the scope of their financial ability.

3. Students can choose student loans

For college students, the loan is interest-free and can be repaid after working, which means you can borrow it while you are in school. 10,000 to 20,000 per semester, but you can pay it back after working without any interest increase. Therefore, this is the country’s preferential treatment for college students. Students are best not to choose platforms for loans, especially campus loans, because the interest rates are very high, which is not consistent with the status of students, and they are unable to repay.

Is China Merchants Bank’s e-loan formal?

China Merchants Bank e-Loan is reliable. China Merchants Bank e-Loan is a short-term cash credit business that calculates daily interest for eligible credit card holders.

eZhao Loan: It is a cash credit business with a maximum limit of 300,000 yuan. It was started a few years after graduating from college. The current limit is about 50,000 yuan. It is an exclusive credit card limit and only credit card users can apply. .

There are many formal online loan platforms on the market that allow you to borrow money with credit, without the need for mortgage guarantees, and are suitable for borrowers without assets.

The choice of an online loan platform is very important. After all, if you encounter an irregular platform, it is easy to cause losses to the borrower, either by being defrauded of information or money.

To determine whether an online loan platform is formal, it mainly depends on whether the institution providing loan services holds a financial license, such as an online loan license, a small loan license, etc.

If you want to get a loan without opening a loan, you can take a look at the following formal loan platforms, all of which have low thresholds and can quickly lend money.

1. Du Xiaoman

The application conditions for online loan products launched by licensed financial institutions are very simple. The borrower must be between 20 and 55 years old, have a stable job income, and only need personal tax. Users who do not have any major problems in their letters and are not college students can also apply for quotas ranging from several thousand to tens of thousands. Just provide your second-generation ID card and bank card.

The system automatically reviews credit, with a maximum limit of 200,000 (click to measure the amount online). No mortgage guarantee is required. The credit can be received in as fast as 5 minutes. You can apply even if you don’t have a job.

2. 360 IOU

Pure credit loans from 360 Digital, a licensed financial institution, have formal lending qualifications and do not need to provide mortgage guarantees. Borrowers aged 23-55 years old, with no bad credit records and stable income, can fill in their personal information online, upload their ID cards and bind their bank cards to complete the authentication.

The maximum limit is 200,000 (click to measure the amount online), and the annual comprehensive rate starts at 7.2%. It is suitable for office workers with good credit and stable income.

How to improve the application success rate? Share some tips!

1. Prepare information

Many people encounter the problem of lack of money. They do not look at the loan conditions at all and apply randomly at the first time. In this way, it is easy to be insufficiently prepared. The loan conditions are not met. Therefore, it is recommended that everyone prepare corresponding information according to the loan requirements and be targeted to avoid adding to the query record in vain.

2. Mobile phone number

I emphasize again that the application can only be made with your own mobile phone number, personal ID card, and bank card with which you opened an account, so that the account can be credited to your name. Of course, you can help your parents with the operation, or you can wait until the money arrives and then transfer it to you, but the responsibility for repayment is your parents. In addition, the longer the mobile phone number is used, the better, the more mobile phone bills are used, the better, and the fewer the number of arrears, the better.

3. Borrowing APP permissions

Nowadays, most financial institution mobile APPs require borrower authorization. If you do not agree to open it, you may not be able to submit a loan application, so before taking a loan, , try to understand the qualifications of the organization clearly. If it is an irregular platform, do not open mobile phone permissions at will.

4. Additional supporting materials

If your personal qualifications are not excellent enough, you can prove your financial resources by providing deposit certificates, bank statements, real estate certificates and other materials. After all, you must make the lending institution believe in the loan. People have the ability to repay, so the loan application approval rate will be higher.

What are the reliable borrowing platforms?

Regular and reliable platforms for WeChat borrowing include Weilidai, Weiyedai, etc.

WeChat is a free application launched by Tencent on January 21, 2011 to provide instant messaging services for smart terminals. It was created by the product team of Tencent Guangzhou R&D Center led by Zhang Xiaolong.

WeChat supports cross-communication operators and cross-operating system platforms to quickly send free (a small amount of network traffic is required) voice text messages, videos, pictures and text through the network.

At the same time, you can also use *** to share streaming media content and location-based social plug-ins "Shake", "Moments", "Public Platform", "Voice Notes", etc. Service plugin.

This ends the introduction to the non-college student loan platform and the non-college student loan platform official website. Have you found the information you need?