1. Positive answer

Ant Borrowing is a loan service provided by Alipay. However, there are many ways to borrow money besides Ant Boring on the market.

2. Specific analysis

1. Youqianhua: Youqianhua is a purely online application and does not require a mortgage. Generally, you can apply by providing your ID card and bank card. , the age is between 18 and 55 years old. The maximum amount available is 300,000 yuan, but college students cannot apply for loans when they have money to spend.

2. Weilidai: Using an invitation system, WeChat and mobile QQ users with better qualifications have the opportunity to obtain loans, with a limit of 500 to 300,000, and a daily interest rate of about 0.05.

3. Jingdong Gold Bar: It provides cash loan services specifically for Jingdong Baitiao, with a maximum limit of 200,000. For beginners with good credit, it is easy to apply for 50,000.

4. Meituan living expenses: The threshold for borrowing money is very low. As long as you are over 18 years old, have good credit, and are Meituan users, you can apply. The maximum limit is 200,000, and the daily interest rate is about 0.05.

Just search: Xiaoqixincha. Click Query and enter information to query your own Baixin credit data. This data comes from more than 2,000 online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, and obtain various indicators. Query your personal credit situation, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan estimated credit limit and other important data information.

3. How can I borrow money again using the loan software after I have already borrowed a lot?

If you have already applied for a loan on many loan platforms and want to borrow again, you must ensure that your personal credit is good and you have the ability to repay the principal and interest of the loan on time, otherwise the loan will not be approved and released. .

Everyone needs to pay attention to the fact that if you borrow too much frequently, you will inevitably have multiple borrowing situations, which will cause the credit report and Dingyi Quick Check big data to become "spoiled", thus affecting the loan approval. Therefore, it is recommended that if you have a lot of loans under your name, you should not apply for new loans for at least three months, and take advantage of this period to pay off the unpaid loans under your name (if you can't finish it at the moment, you can try your best to pay back as much as you can) Some, pay attention to repay on time and avoid overdue).

After three months have passed, the situation of credit reporting and Dingyi Quick Check big data has been improved, and the personal debt ratio has also dropped, it will not be too late to borrow money by then, and it can be successfully done. The chances of coming down will be higher.

In fact, it is best to borrow money based on actual needs. Do not borrow too much frequently. Otherwise, not only will the repayment pressure be great, but also subsequent borrowing will be affected.