1, Alipay

Alipay is an app that everyone is familiar with. Its flower garden, loan, online business loan and reserve fund can provide loan services for everyone, with the amount ranging from 5 million to 300,000. According to everyone's sesame credit score, you can get different quotas, and the loan is relatively safe and reliable.

Step 2 have money to spend

Easy Loan with Money is a formal loan app recommended by Bian Xiao, and it is also one of the most reliable loan platforms in 202 1. The loan amount is as high as 0.2 million/200 thousand, and people with good credit generally lend 30 thousand to 50 thousand. The term is 12 months and 24 months, and the interest is calculated daily. The minimum annualized interest rate is only 72%.

3. Stage music

The old platform is also trustworthy and a relatively reliable loan app. At present, the maximum loan amount is 50 thousand yuan, which can be divided into 36 months at the longest. For users with good credit or friends of pure white households, it is very easy to pass, and the same day will be fine.

4360 IOUs

The big platform is relatively reliable. 360 loan is a pure credit loan app under 360. Users above 18 can borrow, with a maximum amount of 200,000 yuan and a loan term of 12 months. Interest is calculated on a daily basis, and new users have the opportunity to participate in interest-free activities.

Step 5 have money to spend

Baidu's credit loans are not very demanding to borrowers. You can register an account with your mobile phone, provide a valid ID card and bank card to complete the authentication after improving your personal information, and you can get a loan after obtaining the quota. The system automatically approves loans, which can be quickly received.

6. 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.

7. lend it to you

Lend you an online platform with a loan amount of 500,000-200,000. You need to provide your second-generation ID card, your savings card and sesame credit sub-authorization.

8. New loans

Xinyi Loan is a credit product of Ping An Bank. At present, the maximum amount that can be applied for is 500,000 yuan, and the longest installment time that can be selected is 60 periods, that is, 5 years.

9. White collar loans

The maximum loan amount for white-collar loans is 300,000 yuan, and the borrower must provide his/her valid ID card, work certificate, income certificate, marriage certificate and other materials.

10, please

Borrowing is a cash loan product of Alipay, which supports cash lending. The maximum loan amount is 300,000, and the loan interest is calculated on a daily basis. The daily interest rate ranges from 0.0/kloc-0.5% to 0.06%. At present, borrowing does not support users to apply for opening.

Which is the best loan platform?

Top ten loan platforms, which are the best loan platforms:

1. Alipay-Ant Borrow

Ant Borrowing is a loan product of Alibaba, which is used for personal consumption. Borrowing money on bail pending trial can be repaid with the loan, and there is no penalty for prepayment. It's easy to use, and the loan is quick. One second to Alipay, the daily interest rate is between 1.5-6.5. The initial interest rate is high, so it is used much, the repayment is timely, there is no overdue record, and the interest rate will gradually decrease. As long as the sesame score is above 600, Alipay uses more.

2. WeChat-Microfinance

Micro-loan is a loan product of Weizhong Bank. It is very convenient to apply on wechat. After entering WeChat, click "My"-"Pay" to see the entrance of micro-loan. Micro-loans will give a certain credit line according to the comprehensive qualifications of users, and interest will be calculated on a daily basis. You can also use the average capital repayment method to repay from the bank card every month.

3, Baidu-money to spend

Money is a personal consumption loan product owned by Du Xiaoman (formerly Baidu Finance). You can apply online without mortgage, complete the approval in 30 seconds at the earliest, and lend money in 3 minutes at the earliest. The loan can be repaid in advance with a maximum amount of 200,000 yuan and a minimum daily interest rate of 0.02%.

4. Suning-willful loan

The interest-free period for willful new users is not short. The longest interest-free period is 30 days, and the lowest daily interest rate is 0.02%. You can repay the loan in advance, up to 300 thousand. Online application will be automatically approved by the system, and it will take up to 3 minutes to arrive. There is no charge for the unused quantity.

The above contents are for reference only and do not contain any loan suggestions. Online lending is risky, so choose carefully!

What is the best and most formal peer-to-peer lending platform?

1, Alipay-Ant Borrow

Ant lending is a loan product for personal consumption under Alibaba. You can borrow money from it and use it to repay it. There is no penalty for prepayment. It is convenient to use and the loan is quick. One second to Alipay, the daily interest rate is between 1.5- 6.5. The initial interest rate is high and it is used more. Timely repayment, no overdue records. Interest rates will gradually decrease. As long as the sesame score is above 600.

2. WeChat-Microfinance

Micro-loan is a loan product of Weizhong Bank. It is very convenient to apply on wechat. After entering WeChat, click "My"-"Pay" to see the entrance of micro-loan. Micro-loans will give a certain credit line according to the comprehensive qualifications of users, with daily interest and repayment as you borrow. You can also use the repayment method of average capital to repay from the loan bank card every month.

3, Baidu-money to spend

Qianhua is a personal consumption loan product owned by Du Xiaoman (formerly Baidu Finance). Online application can be completed in 30 seconds without mortgage, and the loan can be released in 3 minutes at the earliest. The loan can be repaid in advance with a maximum amount of 200,000 yuan and a minimum daily interest rate of 0.02%.

4. Suning-willful loan

The interest-free period for new users of willful loans is not short, the longest interest-free period is 30 days, the daily interest rate is as low as 0.02%, and they can repay in advance, up to 300,000. The online application is automatically approved by the system, and the loan can be released in 3 minutes at the earliest. There is no charge for the unused amount.

Many people often take out loans for emergencies when their lives are in trouble. Baidu has money to spend: Du Xiaoman's micro-credit loan has a maximum amount of 200,000, a maximum loan period of 24 months, and an annual interest rate as low as 7.2%. The specific interest rate is subject to the loan page. Be able to borrow and repay flexibly, apply online all the time, without guarantee and mortgage. The results will come out in a few minutes at the earliest after submitting the application, and you can get the money on the same day after passing it.

Which is better, online loan or formal platform?

The threshold of online lending is lower than that of bank cards, and the lending speed is faster than that of bank cards, but the disadvantage is that the security is not high and the online lending industry is mixed. Many people are cheated because of online loans, so everyone must choose a formal platform when applying for online loans.

The better platforms are:

1. Loan: Alipay's loan product requires that the sesame score must be above 600 before it can be opened. Lending is flexible and easy to use.

2. Micro-loan: At present, the white list invitation system is still adopted. Only qualified friends can have access. It is easier to borrow if there is a quota, and you can wait and see if there is no entrance.

3.JD.COM Gold Bar: JD.COM Gold Bar is a product of JD Finance, which is similar to loans and micro-loans, and supports early repayment.

4. Suning's willful loan: the credit loan brand of Suning Finance, which provides inclusive finance service for consumers. It is worth noting that there is no independent APP for willful loans.

5. Zhongyuan Consumer Wallet: The products of Zhongyuan Consumer Finance include postal friend loan, postal friend flower, China Post Bao and other products, and the review speed is still relatively fast.

6, 360 IOUs: 360 products are well-known and suitable for users with good credit qualifications and repayment ability.

7. Baidu has money to spend: the loan speed is not bad, and the amount is between 1 0,000 and 300,000. Lending is flexible and both large and small loans can be satisfied.

8. Spot installment: spot financial products. Users can use it in specific consumption scenarios, including digital, beauty, education, home improvement, tourism and so on.

9. Xiaomi Loan: Not available to all users at present. Friends with Xiaomi account can see if they are eligible to apply.

10, 1 10,000 e loan: Wanda Pratt & Whitney's products are at least 18 years old, and anyone with a stable job and income source can apply.

In the loan, we should pay attention to several matters:

1. First of all, formal loans do not need to pay deposit or interest in advance, and withholding interest is also against relevant laws and regulations;

2. When choosing a loan platform, you should be vigilant if the other party directly or in disguised form requests to pay the "pre-loan fee", which does not meet the relevant regulations;

3. Secondly, regular small loan companies generally do not engage in cross-regional loans;

4. In addition, it is best to know the real situation of small loan companies behind the platform before lending to prevent being deceived.

Which online lending platform is better?

Online lending platforms include:

First, Qianhua: Qianhua is a credit service product under Baidu, which has a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 200,000 yuan, 1 10,000 yuan loan 1 annual average daily interest 1. 1 yuan. The better the credit, the lower the interest rate.

Second, Lending Bao: Lending Bao is a pure credit loan product launched by Alipay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users. Ordinary users can only apply for opening if the sesame score is above 600. According to sesame score, the loan amount is10-300,000, the lowest daily interest rate is 0.02%, and the loan term is 12. It has always been a conscience loan.

III. Return: Shanghai Shuhe Information Technology was established on 20 15, and returned the products on 20 16. The major shareholder is Focus Media listed company (stock code: 002027), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.

4. Micro-loan: Weizhong Bank is the first Internet bank under Tencent. Its products include micro-loan and micro-car loan, and it is committed to providing fast financial services for small businesses and individual consumer groups.

Verb (abbreviation of verb) Paipai Loan: Paipai Loan was established in 2007 and is a p2p financial platform listed on the New York Stock Exchange. Auction loan products are mainly divided into batch bidding and rainbow bidding. At present, credit loans are provided to users, with a maximum loan amount of 200,000 yuan and a monthly loan interest rate of about 1%. Users can choose appropriate loan products according to their own needs.