At present, there are many online loans related to credit investigation, such as spending money to buy, ant lending, micro-lending, JD.COM gold bars and so on.
Extended data:
Have money to spend:
Rich Flower APP is a big brand of Baidu credit service, which can meet the capital demand of daily consumption turnover. Pure online application, no mortgage, simple application materials, the fastest 30 seconds for approval, the fastest three minutes for lending, and the highest 200,000. A number of product lines have been laid out, including "Money Spend-All Easy Loan", "Money Spend-Enjoy Loan" and "Money Spend-Short Term Loan". The scene has covered daily consumption, medical beauty, education, renting, mortgage and so on. , and can be accurately matched according to the user's loan demand, providing users with reliable credit services.
Alipay-Ant Borrow:
Borrowing is an Alipay loan product. According to the user's sesame score, the loan amount is different. The longest loan period is 12 months, and the daily loan interest rate varies from person to person. The daily interest rate is mostly between 0.03% and 0.045%, which can be repaid by borrowing.
Wechat-Microfinance:
After WeChat launched micro-loans, many WeChat users have relieved the problem of shortage of funds. However, microfinance is only open to some users. Wechat will review the comprehensive qualifications of users, only those who meet the requirements can be invited, and users are not supported to apply for micro-loans on their own initiative.
JD。 COM- gold bars:
Many users in JD.COM have been using JD.COM Gold Bar since it was listed in March 2065438+2006. The loan amount is relatively high, with a maximum withdrawal amount of 200,000. You can also borrow it and pay interest on a daily basis, which is very convenient.
Online loan application conditions:
1. The online loan association requires applicants to be at least 18 years old and have full capacity for civil conduct, and many online loans are not allowed for students to apply.
2. Sesame credit: Many online loans require authorization of sesame credit, so online loans require applicants to have good sesame credit, but different loan products have different standard requirements for sesame credit scores. General applicants need to reach about 500% or 600%.
3. Personal credit: Some online loans need to be checked, and some don't, but overall, the applicant's personal credit is good.
4. Other conditions: online loans basically require mobile phone numbers and bank cards. Especially the mobile phone number, the online loan will require the applicant to have a mobile phone number with real-name authentication for 3 months or more.
Of course, different online loan products may have different situations, and the actual situation is subject to the product page display.
What are the online lending platforms for credit reporting?
Credit information online lending refers to the cooperation between online lending and PBOC credit information, and loan records or overdue records will be uploaded to PBOC credit information. The following online lending platforms are all credit information.
1. Micro-loan: the loan product of Weizhong Bank. Users can apply in QQ and WeChat.
2. Online merchant loan: online merchant bank loan products, Alipay APP and online merchant bank APP can all apply.
3. Instant consumer finance: Instant finance is formal consumer finance, and its loan products are all on credit.
4. Gitzo Consumer Finance: a foreign-funded consumer finance company, which has been connected to the credit information system such as the basic database of personal credit information of the People's Bank of China.
At the same time, there are platform loan products such as BOC Consumer Finance, Sichuan Jincheng Consumer Finance, Yin Bei Consumer Finance, Zhaolian Consumer Finance, Xingye Consumer Finance, Haier Consumer Finance, Suning Consumer Finance, Hubei Consumer Money, China Post Consumer Finance, Huarong Consumer Finance, Shengyin Consumer Finance, and Shanxi Merchants Consumer Finance.
Ant Flower Garden: There is no docking credit at present, but serious overdue cases may be reported.
Ant borrowing: the loan information will go to the credit information department at the same time, and whether it is collected and displayed is subject to the information finally displayed in the credit information. It is said that some are on credit, some are not, and how are some distinguished? Look at the amount, look at the times, and buy and sell. If the buyer's loan is not seriously overdue, such as overdue for more than 3 months, or overdue for a large amount, it is not on credit. The seller borrows money from the credit information system because the seller borrows money from it as an operating loan. In order to compensate users, sellers will give users a high quota and low interest rate, such as a quota of 300,000, with an annualized interest rate of 6%.
Among them, Chongqing Ali Xiao Wei Microfinance Co., Ltd., which is used for the "Bai Hua" loan, has not been connected to the central bank's credit information system at present, and is not qualified to query/_ report the credit information data to the central bank. This is what Bai Hua said in the statement. "At present, the service subject has not inquired/reported the central bank's credit information." Chongqing Alibaba Microfinance Co., Ltd. has been connected to the central bank's credit information system and can query/report information.
What are the online lending platforms recognized by the state for credit reporting?
10 official online loan recognized by the state.
Top ten conscience loan platforms! Top ten formal online loans in 2022:
1, wechat-micro loan
After WeChat launched micro-loans, many WeChat users have relieved the problem of shortage of funds. However, microfinance is only open to some users. Wechat will review the comprehensive qualifications of users, only those who meet the requirements can be invited, and users are not supported to apply for micro-loans on their own initiative.
2. Alipay-Ant Borrow
Borrowing is an Alipay loan product. According to the user's sesame score, the loan amount is different. The longest loan period is 12 months, and the daily loan interest rate varies from person to person. The daily interest rate is mostly between 0.03% and 0.045%, which can be repaid by borrowing.
3. Gome Easy Card
The loan age requirement of Gome Easy Card is strict, and it needs 18-45 years old. After you borrow it, you can return it with it, and the review is fast.
4.JD。 COM- gold bars
Many users in JD.COM have been using JD.COM Gold Bar since it was listed in March 2065438+2006. The loan amount is relatively high, with a maximum withdrawal amount of 200,000. You can also borrow it and pay interest on a daily basis, which is very convenient.
5360 IOUs
360 IOUs are 360 financial loan products. The application materials are simple, and the monthly interest rate starts at 0.8%. You can wait for the interest to be repaid in installments, apply online, and it will arrive soon.
6. Suning's willful loan
Strong willingness to lend to new users, the longest interest-free period is 30 days, and the maximum loan amount is 300,000, which can be repaid in advance and is convenient to use.
8. Zhilian Good Loan
The loan with a good term can be repaid in 24 months at the longest, and the daily interest rate starts from 0.03%, so the approval is fast.
7. Comfortable flowers
Easy access to loans is extremely fast, as long as one minute at the earliest, and the daily interest rate of loans is 0.02% lower.
9. Raise money and spend it
The monthly interest withdrawal is different from the above online lending platform and is fixed. The monthly interest rate is 0.06%, which is lower in loan products, and requires higher credit information and good credit information.
10, money to spend
The loan amount with money can be recycled, with daily interest, and it can be received in 3 minutes at the earliest, so the loan is very flexible.
If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
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It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!
What online loans are used for credit reporting?
The online lending platforms of Shangxin Credit Information are:
First, the main body of Tencent's micro-loan lending is Weizhong Bank. These loans are all on credit investigation. No matter how many loans are borrowed, they will only be reflected as a record in credit investigation. Settled, unsettled and overdue will be recorded.
The second is Ali's flowers and borrowings. Ali's small loan company is connected to the central bank's credit information system. At present, after the upgrade of the flower garden service, the meeting is full of credit information.
Three. JD.COM Baitiao has been connected to the central bank's credit information system, and will be credited after 20 1803 15. JD.COM IOUs are accessing credit information, and the specific consumption details of IOUs will not be reflected in the credit information report. JD.COM IOUs will not reflect every consumption in the letter, but will update the liabilities monthly according to the bill. The reporting entity is "Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd.", and the reporting business type is: personal consumption loan.
Fourth, Suning Financial's "willful payment" reported every credit record to the credit report, even if you bought a pack of toilet paper with willful payment, it would be recorded. Be careful, don't use it too often, or your "credit information will be spent". Next time you apply for a loan from the bank, it will be a negative evaluation. For some financial institutions with strict audit, seeing so many records may think that your financial situation is not good, which will affect your future loan application.
At present, Suning has updated the reporting rules and reported it once a month.
Verb (abbreviation of verb) Lacarra Easy Installment is the installment loan credit service launched by Lacarra for its high-quality credit users. You can fill in and submit the application information online. After the application is successfully accepted, Lacarra will evaluate and review the application materials, and then lend money to your designated savings card, with the amount ranging from 1000 to 50000.
Lacarra not only checks the newspaper, but also collects credit information. On the one hand, accessing koala credit score in credit products can be used as a reference dimension to evaluate borrowers' financial ability and repayment ability, thus improving business efficiency. In addition, it is also a performance requirement for borrowers. Once a credit asset is overdue, it will seriously affect its credit rating. In the future, it will even involve scenes that require credit evaluation in daily life, such as going out by high-speed rail, flying or applying for a job.
Sixth, get a good loan. Zhaolian Consumer Finance Co., Ltd. is a licensed consumer financial institution jointly established by China Merchants Bank and China Unicom with the approval of China Banking Regulatory Commission.