1. Online lending is relatively simple and fast, because there is no need for mortgage guarantee. Online lending will focus on the borrower's personal credit, age and other qualifications. At present, there are many kinds of online loan products on the market, mainly referring to the loan methods that pass the identity information authentication and are operated by always online on the loan platform. Now online loans are basically pure credit loan products.

2. Offline loans are traditional loans, which can be handled by banks and formal lending institutions. The threshold is high or low. Offline loans can provide sufficient information and the operation process is clear. Generally, it depends on what information banks and lending institutions need. Submit well-prepared information and wait for the next payment.

1. Advantages of offline bank loans:

It is safer for most people to apply for a loan from a regular bank. If the conditions are perfect and the collateral evaluation value is high, the loan amount will be higher than the network. Disadvantages: Going to the bank to apply for a loan will take more time than online. In this process, banks have to queue up, which is inefficient and needs more information. In the case of inadequate preparation, the loan cycle will become longer. Not suitable for emergency use.

Second, the advantages of online lending:

Online lending will be more convenient than offline lending. Borrowers can apply for loans quickly by directly searching for the era of downloading small books on the download software APP. There is no need to spend the borrower's traffic time and queuing time. As long as the conditions meet the requirements, lending is relatively easy and fast. More suitable for emergency. Disadvantages: There are more and more online scams, and many people will be easily cheated. Some platforms are ambiguous and supervision is not in place. Finally, no matter online or offline, you can't pay the loan institution in advance, but asking for the loan fee in advance is a liar's behavior.

1. Which is the higher pass rate of online loans or offline loans?

1. Before making payment, the online loan product will conduct a comprehensive review of the borrower's personal reputation through the credit information platform. Therefore, borrowers need to meet good personal credit conditions.

2. offline loans want to prompt the pass rate. In addition to the borrower's own stable job and fixed punching salary, he can also provide proof of assets under his name, such as real estate and vehicles, which are symbols of the borrower's economic strength.