1 360 IOU: 360 is an operating credit loan platform. Users can follow the 360 loan on WeChat, or download the APP to borrow money. If there is a quota, you can cycle the loan, and every time the loan passes the examination, you can make the next payment. Borrowers with good data, stable repayment ability and no bad credit can try it.
2. Zhaolian Good Term Loan: Zhaolian Financial Credit Loan has always had a good down payment rate and usually meets the loan conditions. People with good personal credit and strong repayment ability are better. It is suggested that borrowers should maintain good credit before borrowing, develop good consumption habits and use more financial services to help improve the loan pass rate.
Before, I also needed business turnover. I have used several microfinance products. The first one I applied for was a small amount of money (formerly Baidu Finance), which was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.
My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.
3. Micro-loan: The credit loan of Weizhong Bank adopts the white list invitation system. If there is a micro-credit loan on WeChat payment and a quota is applied, you can submit a loan application. Face recognition will be carried out during the loan process, and the system will automatically approve the loan. The better the qualification, the easier it is to borrow money.
4. Enjoy flowers: CreditEase's consumer credit loan can basically be repaid after passing the certification, but only for eligible borrowers, so don't think that everyone can get the loan. In addition to meeting the basic conditions, borrowers have the opportunity to borrow money as long as they are not black hands, have low personal debts and have relatively stable income.