The most direct way is to submit a loan application at the business outlets of lending institutions. If the lending institution accepts the application through online channels, it can also submit an interest-free loan application at the lending institution official website or mobile app. After the application, you need to wait for the approval of the lending institution before lending.
Is there any interest-free loan software?
Recommendation of online loan application: Ant lending, online merchant bank, micro-loan, JD.COM gold bar, Xiaomi loan, Ping 'an small orange flower, Qianhua.
1, borrowed by ants
I believe everyone already knows that Lending Bao is a credit service brand under Alipay, with a maximum loan amount of 300,000 yuan and a daily loan interest rate of 0.0 15%-0.06%. Borrowing white money is an invitation system, and you can only borrow white money after being invited. The opening condition is that the sesame score reaches 600, and Alipay has a real-name registration system. Sesame points are mainly based on the user's identity information, credit status, personal connections, repayment ability and so on.
2. Online commercial banks
Alipay online merchant bank still serves small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions. The application threshold is the same as the previous loan. The maximum loan amount is 1 000 yuan, the expected annualized interest rate on the loan day is 0.05%, and the loan term is 1.2 months. Use the average capital repayment method.
If there is a capital turnover demand, I recommend that you spend less than full, that is, the original Baidu Finance completed the split on 20 18 and realized independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
The amount of money spent on loans ranges from 500 yuan to 200,000 yuan, with an annualized interest rate of 7.2%, 6,543.8+0,000 yuan, and the interest from 2 yuan is 654.38+0 days. Long loan period, daily repayment, daily interest, no mortgage, pure credit, full online application for ID card and bank card, the fastest approval in 30 seconds, 654.38+0 minutes to the account.
Use Baidu's artificial intelligence and big data risk control technology to encrypt, monitor and protect personal information. Every loan must verify the password and other verification items, and it can only be lent to the bank card in the lender's own name, so you can use it with confidence.
3. Microfinance
Micro-loan is an Internet loan product launched by Tencent Weizhong Bank. The loan interest is calculated on a daily basis, and the daily loan interest rate is 0.02%~0.05%. Microfinance, like borrowing, is also an inviting way to open. Users can only use the loan if they are invited to micro-loan. Users can check whether there are micro-loans in qq wallet or WeChat Jiugongge.
4.JD.COM gold bars
Jingdong Finance produces Internet credit loan products with a maximum loan amount of 654.38+10,000 yuan, a daily loan interest rate of 0.05% and a discount of 0.04% during the activity.
5. Xiaomi loan
Xiaomi loan is a consumer credit service under Xiaomi Finance. Its main business is personal credit loans and consumer installment loans, and it adopts unsecured online trading mode. According to big data modeling and credit reporting, based on the mobile Internet online platform, mobile phones are used as carriers to provide services for users. 2065438+In September 2005, Xiaomi Loan launched APP.
6, safe small orange flower. Small credit loans launched by Ping An Consumer Finance can be handled as long as they have a college degree or above. They need stable income and good credit information, and the daily interest rate starts from 0.039%.
Before, I also needed business turnover. I have used several small loan products. In fact, every small loan platform has an internal application entrance, with low interest, convenient payment and high quota! Scan the code below to enter the QR code!
Where can I get an interest-free entrepreneurial loan for college students?
College students can apply for interest-free business loans in banks, such as China Bank, China Construction Bank, China Merchants Bank, China Everbright Bank, Bank of Communications, Minsheng Bank and other major banks. Therefore, as long as the borrower meets the conditions for applying for interest-free entrepreneurial loans for college students, he can bring relevant information to major banks to apply for interest-free entrepreneurial loans for college students.
Extended data:
Conditions for applying for interest-free entrepreneurial loans for college students:
1, college degree or above;
2. Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department;
3. Having a fixed residence or business premises;
4. Have a business license and a business license;
5. Have a stable income and the ability to repay principal and interest;
6. The invested project has certain self-owned funds.
After meeting the above application conditions, you can submit an application to the bank. The materials you need to provide when applying include proof of marital status, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials.
The application process of interest-free entrepreneurial loans for college students is as follows:
1. Prepare ID card, student ID card, school report card or graduation certificate, degree certificate, bank running water and other income certificates, business license and relevant certificates and other materials to apply for a loan at the service center of College Students Pioneer Park, get the application form and fill it out, and then submit the form and materials together.
2. The service center of college students' pioneer park shall conduct preliminary examination.
3. After passing the preliminary examination, the Personnel Bureau, the Finance Bureau and other relevant departments will review the industry orientation, enterprise scale and registered capital, and verify the discount amount.
4 personnel bureau publicity after the assessment of the loan discount object and discount amount.
5. If there is no objection after publicity, the Personnel Bureau will issue a notice of examination and approval.
6. The Finance Bureau allocates funds from special funds to support college students to start their own businesses.
How long does it take for interest-free loans for college students to start businesses to be disbursed?
College students apply for interest-free loans when starting a business. After submitting the application, the management service center of college students' pioneer park first conducts the preliminary examination; After passing the preliminary examination, the personnel bureau, the Finance Bureau and other relevant departments will review the industry orientation, enterprise scale, registered capital, profits and taxes, etc. This process takes about a week or two.
After the examination and approval of the discount amount, the Personnel Bureau and the applicant's community will publicize the loan discount object and discount amount for 5 working days. After publicity, if there is no objection, the Personnel Bureau will issue a notice of approval. At that time, the Finance Bureau will allocate funds from the special funds to support college students' self-employment, and generally receive loans within one week.
Generally speaking, it takes about one month for college students to start interest-free loans, from application submission to fund distribution. If the speed is fast, it may be completed in less than half a month. Borrowing students can check the loan progress at any time. If the progress has not changed, they can also directly call for consultation.