What are the online loan platforms recognized by the state as allowing for credit reporting?

Top 10 formal online loans recognized by the state

Top 10 conscientious loan platforms! The top ten formal online loans in 2022:

1. WeChat-Weilidai

After WeChat’s Weilidai went online, it helped many WeChat users relieve the plight of fund shortages, but Weilidai The loan is only open to some users. WeChat will review the user's comprehensive qualifications. Only users who meet the requirements can be invited. Users are not supported to actively apply for Weili Loan.

2. Alipay-Ant Jiebei

Jiebei is an Alipay loan product. Depending on the user’s sesame score, the loan amount is different. The maximum loan period is 12 Months, the daily loan interest rate varies from person to person. Most daily interest rates are between 0.03% and 0.045%, and you can borrow and repay at any time.

3. Gome Easy Card

The loan age requirement of Gome Easy Card is relatively strict, and you need to be between 18 and 45 years old. You can borrow and repay at any time after borrowing, and the review is fast.

4. Jingdong-Gold Bars

Since its launch in March 2016, many Jingdong users have been using Jingdong Gold Bars. The loan limit is relatively high, and the maximum withdrawal limit is 200,000. You can also borrow and repay at any time, and interest is calculated on a daily basis, which is very convenient.

5. 360 IOU

360 IOU is a 360 financial loan product. The application information is simple. The monthly interest rate starts at 0.8%. You can repay the principal and interest in monthly installments. Apply online. , the account arrives quickly.

6. Suning Renzhi Loan

Renzhi Loan offers relatively strong discounts to new users. It can be interest-free for up to 30 days. The loan limit is up to 300,000, and repayment can be made in advance. Easy to use.

8. China Merchants Union Haoqi Loan

The loans of China Merchants Union Haoqi Loan can be repaid in up to 24 months, with daily interest rates starting at 0.03%, and approval is fast.

7. Anyihua

Anyihua lends money very quickly, as fast as one minute, and the daily loan interest rate is as low as 0.02%.

9. Tiqianhua

The monthly interest rate of Tiqianhua is different from the above online loan platforms. It is fixed. The monthly interest rate is 0.06%, which is calculated in the loan product. It is lower, and the credit requirements are relatively high, and a good credit report is required.

10. Youqianhua

The loan limit of Youqianhua can be used repeatedly, interest is calculated on a daily basis, and it can be credited to the account in as fast as 3 minutes. Borrowing and repayment are very flexible.

If you have capital turnover needs, it is recommended that you use Youqianhua. Youqianhua is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, changed its name to "Youqianhua" in June 2018 "), big brands are reliable, have low interest rates and are trustworthy. Have money to spend - Manyidai, the maximum loan amount is 200,000, and the daily interest rate starts as low as 0.02%.

Click to measure the amount online

It has simple application, low interest rate and fast loan , flexible borrowing and repayment, transparent interest rates, and strong security.

Share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply. Online loans are risky, so be careful when choosing! What are the platforms for online loans with credit reporting?

Online loans with credit reporting on the Internet refer to online loans that cooperate with the People’s Bank of China Credit Information. Loan records or overdue records will be uploaded to the People’s Bank of China Credit Information. The following online loans The platform is for credit reporting.

1. Weilidai: WeBank’s loan product, users can apply for it on QQ and WeChat.

2. Online Merchant Loan: You can apply for Online Merchant Bank’s loan products through Alipay APP and Online Merchant Bank APP.

3. Immediate Consumer Finance: Immediate Finance is a formal consumer finance, and its loan products are all credit-reported.

4. Home Credit Consumer Finance: A foreign-funded consumer finance company that has access to credit reporting systems such as the People's Bank of China's basic personal credit information database.

At the same time, there are Bank of China Consumer Finance, Sichuan Jincheng Consumer Finance, Northern Bank Consumer Finance, China Merchants Union Consumer Finance, Industrial Consumer Finance, Haier Consumer Finance, Suning Consumer Finance, Hubei Consumer Finance, China Post Consumer Finance , Huarong Consumer Finance, Shengyin Consumer Finance, Jinshang Consumer Finance and other platform loan products.

Ant Huabei: Currently there is no docking with credit reporting, but serious overdue cases may be reported.

Ant Borrowing: Loan information will be synchronized to the credit reporting department. Whether it is collected and displayed will be subject to the final information displayed by the credit reporting. It is said that some are credit-reported and some are not. How do you differentiate between them? It depends on the amount, the number of checks, and also the buyers and sellers. If the buyer's loan is not seriously overdue, if it is overdue for more than 3 months, or the loan is overdue for a large amount, the credit report will not be reported. The seller's loan is listed in the credit reporting system. Because the seller's loan is an operating loan, in order to compensate the user, the seller's loan will be given to the user with a high credit limit and a low interest rate, such as a 300,000 limit and an annual interest rate of 6%.

Among them, Chongqing Ali Small and Micro Loan Co., Ltd., which is used for "Huabei" lending, has not yet connected to the central bank's credit reporting system, and does not have the qualifications to query/_report data to the central bank's credit reporting. This is what Huabei said in its statement: "Currently, service entities have not inquired/reported to the central bank for credit reporting." Chongqing Alibaba Small Loan Co., Ltd. has been connected to the central bank’s credit reporting system and can query/report information. Which lending platforms can be used for credit reporting

1. Credit lending under Ant Financial

includes Jiebei and online merchant loans. Some users of Huabei have access to credit reporting.

2. Home Credit Consumer Finance

Its include Home Credit Lucky Bag, Home Credit Super Loan, Home Credit Consumer Installment, etc. 3. Ping An Puhui.

Its subsidiaries include Ping An i-dai, Oxygen loan, Zhai e-dai, etc.

3. Weixin Huizhi Finance

Its brands include Weixin Card Loan, Doudouqian, Xingxing Money Bag, Lejiehua, Beauty Club, etc.

4. Immediate Consumer Finance

Its brands include Immediate Loan, Zuxianghua, Immediate Installment, and Anyihua, etc.

5. 360 Finance

It has 360 IOUs, etc.

6. BOC Consumer Finance

Its include Xinyidai Micro Loan, BOC Consumer Wallet, Sina Youbori, Sina Youhuan, Lexiangdai, etc. 7. Baifu Bao Technology (Baidu Wallet)

Its brands include Baidu Youqianhua, Baidu Education Installment, Baidu Decoration Installment, etc.

8. Gome Small Loan

Its subsidiary companies include Meijie.

9. China Post Consumer Finance

Its products include China Post Wallet, Speedy Loans, etc.

10. Jingdong Finance

Its subsidiaries include Jingdong Gold Bars, etc.

11. Qianhai WeBank

Its subsidiary companies include Weilidai and others.

12. China Merchants Union Consumer Finance

Its products include China Merchants Union Home Owner Loans, China Merchants Union Consumer Installment Loans, Good-Term Loans, Credit Payments, Small Spending, etc.

13. Lakala Small Loans

Its brands include Lakala Easy Installment, Lakala Repay for You, etc.

14. Suning Financial

Under its umbrella are Suning Renzhifu and others.

15. Rural Credit Cooperatives

Including Yongqianbao and mobile phone loans.

16. Huarong Consumer Finance has credit wallets, etc.

17. Beijing Bank Consumer Finance has resume loans, etc.

1. Bank loans

There is no doubt that all bank loan records will be uploaded to the credit reporting system, including consumer loans launched by various banks, such as China Merchants Bank’s flash loans.

2. Joint Loan

Since small loan institutions have limited own funds, they often cooperate with banking institutions to lend together. Because the loan funds include bank funds, this type of loan also Check for credit at the meeting.

For example, before the upgrade of Alipay Ant Borrowing, the funds were provided by small lending institutions under Ant Financial. After the upgrade, multiple banks were introduced to jointly lend. On the borrowing interface, you can see that the lender includes Shanghai Pudong Development Bank Banks and other banks, and later Ant Borrowing also started to apply for credit bureaus.

3. Other loans

Although some loans are not bank loans and are not issued by a joint bank, they will still be subject to credit reporting.

There are too many to list them all, but before applying for a loan, you only need to pay attention to the loan contract and agreement at the bottom of the page to see if there is authorization to upload the loan record to the People's Bank of China credit system. What are the online loans with credit reporting?

The online loans that currently have credit reporting include Youqianhua, Ant Juebei, Weilidai, Jingdong Gold Bar, etc.

Extended information:

Youqianhua:

Youqianhua APP is a major brand of Baidu credit services, which can meet the capital needs of daily consumption turnover. Purely online application, no mortgage required, simple application materials, approval in 30 seconds, loan in three minutes, up to 200,000. It has now deployed multiple product lines, including: "Youqianhua-Manyidai", "Youqianhua-Exclusive Loan", "Youqianhua-Small-Term Loan", and the scenarios have covered daily consumption, medical beauty, and education , renting, housing loans, etc., can accurately match users’ borrowing needs and provide users with trustworthy credit services.

Alipay-Ant Jiebei:

Jiebei is an Alipay loan product. Depending on the user’s sesame score, the loan amount is different. The maximum loan period is 12 months The daily loan interest rate varies from person to person. Most daily interest rates are between 0.03% and 0.045%. You can borrow and repay at any time.

WeChat-Weilidai:

After the launch of WeChat’s Weilidai, it has helped many WeChat users relieve their financial shortage dilemma. However, Weilidai is only open to some users, and WeChat will The user's comprehensive qualifications will be reviewed, and only users who meet the requirements can be invited. Users are not supported to actively apply for Weili Loan.

Jingdong-Gold Bar:

Since its launch in March 2016, many Jingdong users have been using Jingdong Gold Bar. The loan limit is relatively high, and the maximum withdrawal limit is 200,000. You can borrow and repay at any time, and interest is calculated on a daily basis, which is very convenient.

Online loan application conditions:

1. Online loans require applicants to be at least 18 years old and have full civil capacity, and many online loans do not allow current students to apply of.

2. Sesame Credit: Many online loans require authorization from Sesame Credit, so online loans require applicants to have good Sesame Credit. However, different loan products have different standard requirements for Sesame Credit scores. . Applicants are generally required to achieve around five or six hundred points.

3. Personal credit: Some online loans require a credit check, and some do not, but in general, the applicant still needs to have good personal credit.

4. Other conditions: Online loans basically require a mobile phone number and bank card. Especially for mobile phone numbers, online loans will require applicants to have a mobile phone number that has been used for real-name authentication for 3 months or more than 6 months.

Of course, the conditions may be different for different online loan products. The actual situation is subject to the product page display.