The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, Jingdong Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.
The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.
1. Money to spend: Xiaoman Financial's credit products are formal and reliable lending platforms, among which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.
2. Credit loan
The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.
If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve 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.
Which loan software is more reliable?
Loan software recommendation: Lending Bao, Ping An Easy Loan, Pleasant Loan, Alipay and WeChat.
1, excuse me
Lending Bao is a mobile phone loan software launched by Alibaba. Like lightning, it's a one-minute loan. The people who are suitable for borrowing money are Taobao daren with a sesame credit score of over 600, which is also the only application condition for borrowing money, so the application threshold for borrowing money is still relatively low. With different sesame credit scores, the loan amount applied by users is different, ranging from 1 0,000 yuan to 300,000 yuan. The longest loan period is 12 months, which can be repaid with the loan. As a senior online shopping user, Bian Xiao has a good impression on this mobile phone loan software.
2. Ping An Easy Loan
Ping An Easy Loan is a mobile phone loan software launched by Ping An Bank. Mainly for wage earners, homeowners, car owners, business owners, etc. Therefore, users who apply for Ping An Easy Loan must also be people with certain assets and relatively stable jobs. The loan amount of Ping An Easy Loan is between 6,543.8+0,000-6,543.8+0.5 million, and the expected annualized interest rate per month is the lowest 0.78%. Ping An Easy Loan card issuing is also faster. Compared with other bank loans, Ping An Easy Loan does not need any mortgage or guarantee. The repayment period is also flexible, and you can choose 1 year, 2 years or 3 years.
3. Preferential loans
Pleasant loan is a mobile app that can provide loans. Pleasant loan provides three loan models. As long as you submit relevant information in accordance with the regulations and pass the credit evaluation, you can know your loan amount. The loan review is fast and convenient.
4. Alipay
Alipay can provide pure credit loans to everyone through ant borrowing. The service period is within 12 months, and the daily interest rate is generally around 0.03%, which supports borrowing and returning.
5.wechat
Wechat can provide you with loans of no more than 300,000 yuan through micro-loans, with a service life of 20 months, and the daily interest rate is generally around 0.04%, so you can repay in advance.
Which loan software is easy to pass?
Software is easy to pass:
1. loan: as long as there is an application entrance and quota, it is basically acceptable after applying for a loan;
2.360 IOUs: pure credit loan products, as long as personal credit is good, the application pass rate is relatively high;
3. Zhilian good loan: Zhilian consumer finance credit loan products, sesame scores above 600 points can be applied;
4. Spend enough: As long as the personal credit information is good, the credit loan products of Haier Consumer Finance can basically apply for a quota of several thousand yuan.
4. willful loans. Suning Finance has discretionary payments and discretionary loans, among which discretionary loans are pure credit and can be applied directly online, with a maximum amount of 50,000 yuan, which can well meet the personal consumption needs of borrowers such as shopping, tourism and education. Online certification personal information, good credit can be a loan, the system automatically approves the loan, and you can get the money on the same day, which is suitable for urgent needs.
Tips: The above information is for reference only, and no loan suggestions are made. In the process of online lending, we must pay attention to preventing risks. In order to ensure the safety of funds and prevent routine loans, we suggest that you choose a formal bank or a formal loan platform based on your own judgment after fully understanding it, and borrow reasonably according to your actual situation.