For those friends who are in urgent need of money, it is better to choose a formal loan platform to ask relatives and friends around them for help. Spending money, borrowing money, micro-lending, and having money to spend have become more concerned loan platforms and consumer credit platforms. They are mainly used to provide credit services to users.
Spending money, borrowing money, small loans, and having money to spend can make you worry-free about loans? Which loan amount is high? Let me give you a detailed introduction.
Loan threshold
Flower Garden is a consumer credit product launched by Alipay platform, which is mainly aimed at high-quality Alipay users. The platform will judge whether the consumer meets the credit standard of the platform according to the online shopping situation, payment habits and credit risk of the applicant.
Borrowing is also a credit product launched by Alipay platform. At present, the application threshold is more than 600 sesame seeds. According to different scores, the platform adopts the user invitation system, and the invited Alipay users can open loans.
Micro-loan is an Internet banking loan product launched by Tencent Weizhong Bank. The platform adopts the user invitation system to provide pure online micro-credit revolving consumer loan service for WeChat users and mobile phone users. Invited WeChat users and mobile QQ users can apply for loans online.
Qianhua provides personal consumer credit services to the public, requiring borrowers to be between the ages of 18 and 55, and must be registered users of Baidu. When applying for a loan, you must provide your second-generation ID card and debit card. But it should be noted that college students are not allowed to apply for money.
amount of loan
According to the borrower's comprehensive situation, Bai Hua considers giving the borrower 500 yuan a spending limit of 50,000 yuan through big data calculation and risk control model.
According to the borrower's sesame credit score, the loan amount provided to users ranges from 1000 yuan to 300,000 yuan.
According to the borrower's personal comprehensive situation, micro-loan can provide users with a credit line from 500 yuan to 300,000 yuan, and a single loan can provide users with a loan line from 500 yuan to 40,000 yuan.
Easy Loan with Money is a personal credit loan product that has money to spend in cooperation with seven major banks. It can provide users with a loan amount of up to 200,000 yuan, and the daily interest rate is as low as 0.02%. Exclusive loan is a personal single loan product of Youhuahua, which can provide users with a loan amount of up to 300,000 yuan and a monthly interest rate as low as 1%.
To sum up, it is the introduction of several loan platforms and consumer credit platforms, such as flower bank, loan bank, micro-loan and money bank. Users can choose their own loan platform and consumer credit platform according to their actual demand for money.