Open mode
Loans and micro-loans cannot be actively opened, and they can only be opened at the invitation of the platform. These platforms need to evaluate the qualifications of borrowing users and invite some users who meet the requirements of the platform. As long as users want to apply for loans on these platforms, they can apply for this business. In contrast, it is more convenient to open money, and the system is actively opened. Click the amount to apply. However, the platform will review the personal qualifications of users, and only those who meet the requirements of the platform can successfully apply for loans.
Credit loan line
At present, borrowing treasures, micro-loans and spending money can provide borrowers with a loan amount of up to 300,000 yuan. Different users have different personal credit information, so the loan amount obtained on the platform is different. The credit evaluation of users is mainly based on their personal credit information and credit system. Qianhua currently uses Baidu artificial intelligence and big data risk control technology to provide loan services to borrowers through comprehensive evaluation of their credit system.
Repayment method
Lending treasure, micro-loans and rich flowers support users to pay back as they borrow, but the specific repayment methods are different. The repayment method of micro-loans and money-consuming loans is equal principal repayment. In the average capital, the monthly principal is fixed, but the interest will change. There are many repayment methods for borrowing money, which can support users to pay off the principal and interest at one time, or choose repayment methods such as equal principal and interest, interest first and principal later.
loan rate
Users are more concerned about the interest rates of the three loan products. The daily interest rate of money is as low as 0.02%, and the interest rates of micro-loans and loans are similar. The interest rates of these three BAT credit products are relatively low. Moreover, all three support users to borrow and repay, and charge loan interest on a daily basis.
To sum up, it is the situation of three loan platforms: borrowing, micro-lending and having money to spend. These three are big brands with low interest. You can choose a loan platform that you think is more cost-effective according to your actual situation.