Although spending money, borrowing money and micro-loans are all credit platforms, there are actually great differences among these three credit platforms. Borrowing users want to choose a suitable internet credit platform from these three platforms, so they must carefully compare these aspects.

Let me give you a detailed analysis of the differences between the three credit platforms: Qianhua, Lending Bao and Micro-loan.

For different users

Qianhua is a credit brand owned by Xiaoman Finance. Its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model.

Youhuahua provides personal consumer credit services for the public, creates an innovative consumer credit model, inherits Baidu's technical genes, and uses artificial intelligence and big data risk control technology to bring users convenient, fast and safe Internet credit services.

Borrowers who have money to spend are required 18~55 years old, non-college students. During the application process, I need to provide my second-generation ID card and my debit card.

Micro-loan is a loan product launched by Internet bank Weizhong Bank, which provides pure online micro-credit revolving consumer loan service for WeChat users and mobile QQ users.

Micro-loan adopts user invitation system, and invited users can see micro-loan in QQ wallet of mobile phone QQ and WeChat wallet of WeChat.

Borrowing is a loan service launched by Alipay, which only provides personal consumer credit services for Alipay users. At present, the application threshold for borrowing money is more than 600 points, and Alipay users' accounts have been certified by the real-name registration system, so Alipay users have good personal credit.

Different interest and expense methods

With money to spend, the daily interest rate of all-easy loans is as low as 0.02%, and the loan interest rate of 1 1,000 yuan is as low as 2 yuan every day. Easy loans with money to spend are currently charged with loan interest and loan handling fee (if any), and overdue penalty interest will be charged if overdue. All-Easy Loan supports borrowers to repay in advance, subject to whether there is a penalty page for prepayment.

According to the borrower's personal comprehensive situation, different borrowers can get different loan interest rates, and the daily loan interest rate is 0.02%~0.05%.

According to the different sesame credit scores of Alipay users, the daily interest rate of loans provided to borrowers is also different. The daily interest rate of the loan is between 0.0 15%-0.06%.

Spending money on loans, lending treasures and micro-loans are very popular credit platforms at present. The above is an introduction to the differences between these three platforms. After understanding these details, I believe that borrowing users can choose a suitable credit platform.