Regular platforms for borrowing money include:

1. Have money to spend.

2. 360 IOU.

3. Jingdong gold bars.

4. Ctrip Finance.

5. Huaya borrows money.

6. Consumer finance immediately.

7. White Cat Loan.

8. Zhongyuan Consumer Finance.

9. Suning Consumer Finance.

10. China Merchants United Finance.

These loan platforms have been approved by relevant departments and have relevant loan qualifications. The interest rates of the loan products they launch are also transparent, and there are no hidden fees. Customers applying for loans on formal platforms can effectively avoid routine loans and protect their own rights and interests.

If a customer takes a loan from some small loan companies, some small loan companies do not have the corresponding loan qualifications, and the products they launch may not be so formal. If the customer is not cautious enough, he may fall into a trap. There will be some financial losses.

Of course, formal lending institutions have stricter inspections of customer qualifications. If they find that there are problems with the customer's qualifications, they are likely not to make a loan. The amount of loan the customer can obtain depends on his or her personal qualifications. It also matters, the higher the qualification, the higher the limit.