Now the internet is developed. In addition to traditional banks and loan companies, when people are in urgent need of funds to solve difficulties, they can borrow money conveniently through various online lending platforms, without mortgage, guarantee or face-to-face signing, just relying on personal data and relevant credit records. Online lending is fast and convenient, but various online lending platforms are mixed. Which is better?
I. lufax
The full name of lufax is Shanghai Lujiazui International Financial Assets Trading Market Co., Ltd., which was established on September 20 1 1. The registered capital of the company is 836.67 million yuan, and the online lending platform was officially launched on June 20 12. Lufax does. There is no doubt about its safety.
Second, Hongling Venture Capital
Hongling Venture Capital, the full name of Hongling Venture Capital E-commerce Co., Ltd., officially put into operation in March 2009, and has been focusing on Internet financial services for seven years. As of March 2, 2007, the number of registered people exceeded1440,000, and the total transaction amount exceeded 226.9 billion yuan. More than 40 provincial branches have been established in China, and Internet finance experience stores have been opened in major cities. As an Internet financial service platform established in China for more than 7 years, Hongling Venture Capital has always put the protection of investors' interests in the first place, and has developed rapidly in the industry with the pioneering principal first payment model, winning a good reputation from investors.
Third, Qian touts
Master Qian is a young people's micro-loan platform, which is mainly devoted to solving all kinds of micro-loan needs of young people in their daily lives. Master Qian is an essential emergency wallet for young people in China. He specializes in the field of micro-credit for young people in Internet finance, providing micro-credit loans with a short period of 1-3 months, 1, 000-5,000 yuan. Mr. Qian's small amount and short cycle have avoided the risk of large loans, and the loan business has been growing steadily since its establishment. At the same time, this kind of business well meets the emergency loan needs of young people aged 18-35. In addition, Master Qian is also the only non-P2P online lending platform in this recommendation list.
Fourth, everyone's loan.
Renren loan is an online lending platform with personal-to-personal microfinance as its main product. Renren loan is one of the earliest Internet-based P2P lending information intermediaries in China. Since its establishment in May, 20 10, Renren Loan has covered more than 2,000 regions in more than 30 provinces across the country, served hundreds of thousands of borrowers and successfully helped them obtain financing loans through credit applications.
Second, how to find out what online loans you have?
You can find your own online loan application records and online loan data reports in Alipay, which is very convenient and simple. It can be found on WeChat: click Query Data One Two to view the user's online loan data report, online loan application record, online black index score and hit risk warning. Among them, users can intuitively know whether they are black households through the score of network black index. The sub-standard of cyber blackness index is: 0- 100. The lower the score, the better the credit. If the score exceeds 70, it is already a black household. Hit risk warning can make users better understand why they are rejected by online lending platforms.
3. What are the legal online lending platforms?
At present, the official online lending platforms recognized by the state mainly include: 1, Ping An Hewlett-Packard, 2, Jingdong Finance, 3, Suning Finance, 4, Paipai Loan, 5, Microfinance, 6, Lending Treasure, 7, Xiaomi Loan, 8, 360 Lending Treasure, 9, Youhuahua, 10 and Jiaohao.
One, two
1. Excuse me, Ante
2.360 IOUs
Have money to spend
4. Microfinance
5. Gome Easy Card
6. Ping An I Loan
7.JD.COM gold bars
8. Comfortable flowers
nine
10. Zhilian Premium Loan
Second, introduce an online lending platform.
1. Excuse me, Ante
Maximum loan amount: 200,000 yuan
Ant Borrowing is a relatively formal online lending platform. As long as Alipay sesame score is above 600, it is very convenient to borrow money from ants.
2.360 IOUs
Maximum loan amount: 200,000 yuan
360 also launched a loan service. In 2020, people's loans are very low, and the speed of receiving accounts is very fast, which can meet the needs of many people.
Have money to spend
Maximum loan amount: 300,000 yuan
This is a loan platform owned by Baidu. There are many different loan businesses that can meet the different loan needs of different groups of people. Not only the amount is relatively high, but also the interest is low. It is more flexible to borrow money or pay back money.
4. Microfinance
Maximum loan amount: 300,000 yuan
Micro-credit mainly adopts the invitation system, which means that not everyone is eligible for loans, and only a small number of people can borrow on it every year. The loan interest of this platform is calculated on a daily basis, and the general comprehensive interest rate is around 0.05%.
5. Gome Easy Card
Gome Easy Card is owned by Gome Finance. If people want to borrow money on it, they don't need mortgage guarantee to borrow money. As long as their income is stable, they can borrow money easily.
6. Ping An I Loan
Maximum loan amount: 30,000 yuan
Zhaolian good-term loan is a loan platform opened by banks and financial institutions, and its security is very high. However, it is a bit troublesome to borrow money on it, because you need to grab the quota.
7.JD.COM gold bars
Maximum loan amount: 300,000 yuan
JD.COM Gold Bar Microfinance Platform is a platform owned by Jingdong Finance. If people have a high JD.COM, they have a higher chance.
8. Comfortable flowers
Maximum loan amount: 50,000 yuan
Easy to consume and relatively easy to obtain successful loans. The age is between 8 and 55 years old, and the work is relatively stable. If you have a stable income, you can successfully borrow money on it, and the review speed is relatively fast, and the success rate is quite high.
9. Living expenses of the American delegation
Maximum loan amount: 200,000 yuan
This is the loan platform that Meituan Company withdrew from. Some users who need cash flow temporarily can go here for loans because it is convenient.
10. Zhilian Premium Loan
highest
Zhaolian Good-Term Loan successfully ranked among the top ten formal online loans in 2020. It is a loan service launched by Zhaolian Consumer Finance and a relatively formal loan platform. The loan amount of this platform is between 200,000 and 200,000, and it can be recycled within 3 years.
4. What are the good online lending platforms?
Rong Zhi Fortune's Baidu Post Bar has a ranking of online lending platforms.
The online lending platform does not say which one is really good. The most important thing is to look at the risk control and technical team. If it is large-scale, it is still more reliable. But if you want to rank according to the actual situation, including the platform to be collected, overdue loans, website security and so on. , you can analyze the statistics yourself.