A borrowing platform with no service fees

JD Gold Bars.

Jingdong Gold Bar: A free loan platform under Jingdong Finance. It does not charge any fees for borrowing, and it also charges interest. People with different qualifications have different interest rates. For example, the borrowing page shows 0.028%, and borrowing 1,000 yuan per day is 0.28%. The annual interest rate is 10.22%, which is relatively low. Be cautious when taking out a loan, please think twice before taking out a loan.

JD Gold Bar was officially launched in March 2016. This product mainly provides cash lending services to JD BaiTiao users with good credit and is a supplement to JD BaiTiao business. The maximum credit limit for Jingdong gold bars is RMB 200,000, and the maximum installment option is 12 months. Interest is calculated on a daily basis, and the daily interest rate does not exceed 0.05%. Jingdong Gold Bar will generally arrive in your account within 30 minutes after submitting the loan application. However, there are special circumstances. The specific arrival time is still subject to the arrival time of the beneficiary bank.

What are the formal loan platforms that do not charge any initial handling fees?

The loan amount through China Merchants Bank is small (less than 50,000). If you are already a China Merchants Bank user and have downloaded the China Merchants Bank mobile phone

You can try to log in to the bank APP through the mobile phone Bank, click "My" - "All" - "Loans" - "I want to borrow money

" and try to apply through this interface. If you meet the conditions for a CMB credit card, you can try to apply for a credit card.

If the loan amount is more than RMB 50,000, if there is a China Merchants Bank in your city, you can try to apply for a loan through the China Merchants Bank branch. Since the conditions and application materials required for each loan

project are different , the current loan purposes are as follows: car purchase, parking space purchase, decoration, education and tuition fees

, bulk shopping, travel and other legal personal or family consumption; as well as business turnover purposes. You can call 95555 from 8:30-

18:00 to enter manual service and provide the loan purpose and city to learn more about the required information. Whether the loan application is approved or not, please refer to the comprehensive review results of the personal loan department of the handling bank.

Is there any loan platform that does not require handling fees?

Regular loan platforms do not charge any fees, and those who charge upfront fees are basically deceptive. If you have loan needs, you can try Ping An Haodai's products. There are credit loans and car owner loans. You can apply for whichever one suits your needs. Each product does not charge handling fees, and it is also a bank loan. Ping An Haodai is a formal loan platform under the Ping An Group. It can protect our rights and interests and is relatively safe. There is no need to worry about being deceived. You can also go to Baidu yourself.

Is it true that Xinyebang Online Loan says there are no handling fees and only requires monthly repayments?

No. Xinyebang's loans are real, but they are unreliable and not recommended. They charge arbitrary fees before taking out a loan. Xinyebang Loan is an online loan platform developed and operated by Hangzhou Qingshan Technology Co., Ltd. It provides financial assistance to people in urgent need of funds through cooperation with various financial platforms. The borrower only needs to provide their ID number and mobile phone number. Screening of big data creates a more technological service platform to provide more convenient and effective services to many people who are in urgent need of funds.

I want to find a reliable platform that does not charge handling fees. Do you have any recommendations?

It is recommended to choose formal channels for borrowing. If you need to apply for a small cash loan, China Merchants Bank has launched a flash loan business. You can currently apply through the mobile banking App or check whether you are eligible to apply.

1. After the flash loan is issued, cash will be released to the designated account. The funds can only be used for normal bulk consumption and transfers, and are not allowed to be invested or flowed into the stock market, real estate, etc.

2. If you hold a China Merchants Bank savings card, you can log in to mobile banking and click "My → All → Borrow → Flash Loan" to apply for a flash loan. Your specific quota will be determined based on your business situation in China Merchants Bank and can be viewed after successful application.

3. Different types of flash loans have different limit regulations. Generally, the maximum credit limit does not exceed 300,000, which is ultimately displayed on the loan page. If you have obtained the qualification for a flash loan, you can log in to the "Flash Loan" module of China Merchants Bank's mobile banking APP or online banking to check your maximum application amount. The minimum single withdrawal amount is 1,000 yuan, and the maximum amount does not exceed the quota amount, and it must be 1,000 yuan. an integer multiple of.

4. There are two types of applications for borrowing money within the flash loan limit:

(1) Loan within 15 minutes, automatically approved within 5-10 minutes, and the loan will be released immediately after approval, and you will be informed by text message Result

(2) Loan on T1. There will be a phone call to verify within T1 day. The loan will be arranged after confirming the information. If you contact the applicant 3 times but do not receive an answer, your application will be unsuccessful and you will need to apply again.

Warm reminder: ①If the loan is not automatically released within 5-10 minutes, normally you have to wait for phone review. The approval progress cannot be directly queried, and the specific approval results shall prevail.

② When a flash loan is used to build a credit limit, there will be an inquiry record on the credit report. If you have only successfully established a balance but have not withdrawn money: there will be no record of the limit in the credit report; for each subsequent withdrawal, there will be a record of the loan in the credit report.