1, ICBC wealth management e-loan
ICBC Financial E-loan was launched by Industrial and Commercial Bank of China. The annual interest rate of the loan is updated monthly with LPR, and the minimum annual interest rate is 0.5% of LPR, which can be said to be very low and quite reliable.
2. China Post Consumer Finance Plus Postal Loan
China Post's consumer finance was initiated by China Postal Savings Bank, with a reliable bank background, and the annualized interest rate pricing range was 10.8%-23.76%.
3. Safe little orange blossom
Ping An Xiaojuhua is a loan product of Ping An consumer finance, and it is also a regular licensed institution with a background of Ping An Bank. Annualized interest rate 14%-24%.
4. Microfinance
Tencent's micro-loan has been well known to the public and its brand is reliable. The daily interest rate ranges from 0.02% to 0.05%, and generally qualified users get an interest rate of about 0.03%.
5. Sorry
Borrow Bai is a subsidiary of Ant Group, and its strength is undoubtedly natural and reliable. From Alipay official entry, the daily interest rate ranges from 0.015% to 0.06%. According to feedback from most netizens, the real interest rate is 0.035%-0.04%.
6.JD.COM gold bars
JD.COM Gold Bar is a subsidiary of Jingdong Finance, with reliable background strength. The annualized interest rate is as low as 9. 1%, and the daily interest rate is as low as 0.0 19%.
7. Have money to spend
Qianhua is owned by Baidu Finance, a former subsidiary of Xiaoman Finance, and its brand is reliable. The annualized interest rate is as low as 7.2%, and the daily interest rate is 0.02%.
8360 IOUs
360 IOUs belong to 360 finance department, 1 0,000 yuan loan 1 year. The daily interest rate is as low as 1 min and the annualized comprehensive interest rate is as low as 7.2%. It is also a low-interest and reliable online lending platform.
9. Comfortable flowers
Comfortable flowers will be launched immediately with a formal license, with a minimum daily interest rate of 0.02%. It is understood that the maximum daily interest rate does not exceed 0.0483%, and the interest rate is already very low.
10, Didi loan
Didi Loan is a loan product provided by Didi Finance, which is based on Didi's behavior. The daily interest rate is the lowest 1.2, and the annualized interest rate is as low as 7.3%.
The lowest annual interest rate loan platform
Minimum suggestions for platform benefits:
1. Microfinance: Microfinance is the first Internet microfinance product of Tencent Weizhong Bank, with a loan amount of 200,000-200,000, a daily interest rate of 0.05% and an annualized interest rate of about 18%.
2. Borrowing: Borrowing is a loan launched by Alipay, as long as the sesame score is above 600. According to different scores, the loan amount that users can apply for ranges from 1000-50000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
3. Qianhua: Qianhua is a small loan product under Baidu Finance. Users can find it by searching for "money" in the mobile app store. After downloading, users will find that there are many loan products that can be used with money, such as short-term loans with low thresholds, with a minimum daily interest rate of 0.02%.
4.E-point loan: E-point loan is a micro-credit under Yin Bei Consumer Finance. At present, the maximum credit line users can apply for is 50,000 yuan, and the minimum loan is 1000 yuan. The minimum annual interest rate of e-point loan is 10.8%, which is purely online application and the amount can be recovered. After the user submits the loan application, the loan can be completed in 5 minutes at the earliest.
5。 China Merchants Bank lightning loan: Lightning loan is a mobile phone loan software launched by China Merchants Bank. For high-quality customers of China Merchants Bank with one card, the quota is 0 0. 1-50/-500,000, and the daily interest rate is 0.042%.
Among them, the daily interest of micro-loans, loan treasures and China Merchants Bank lightning loans is less than five ten thousandths! If you need to apply for a loan, you can first check whether you want to charge any fees, and then measure which loan platform is more in line with your requirements.
Which bank has the lowest interest on credit loans?
The interest rates of credit loans in big banks are almost the same, and there will be different interest rates according to individual circumstances. The following banks with low credit loan interest rates are for reference:
1, CCB Express Loan: CCB Express Loan is also a personal credit loan product with a low interest rate, which was as low as 4.35% before, but the specific interest rate is differentiated by the system according to the borrower's credit and contribution.
2. Bank of China: China Bank E-loan credit loan, with an annual interest rate ceiling of 4.35%, and differentiated pricing is implemented according to the specific situation of the lender;
3. Agricultural Bank of China: Netjet Credit Loan. The annual interest rate of the newly signed 1 year loan is at least 4.35%~4.5%. The interest rates in different regions are different, and the pricing is different according to the qualifications of lenders.
4. Postal savings loans-privileged customers: personal credit loans issued by Postal Savings Bank, starting from 65,438+0,000 yuan, up to 200,000 yuan, with an annual interest rate of 4.35%-7.05%. Differentiated interest rates shall be adopted according to the qualifications of borrowers, subject to the interface display at the time of application.
Extended data:
1. At present, the benchmark interest rate for RMB loans is:
1, short-term loans: within 6 months, the interest rate is 4.35, and the interest rate is 4.35 from 6 months to 1 year (including one year);
2. Medium and long-term loans: one to three years (including three years), with an interest rate of 4.75; The interest rate is 4.75 for three to five years (including five years); The interest rate for more than five years is 4.90;
Personal credit consumption loans can rise by a certain percentage on the basis of the benchmark interest rate.
Credit loans, the interest rate is very high, generally rising by 20% or more. The credit loan interest rates of some large banks and some joint-stock commercial banks are also quite different. The annual interest rate of credit loans of some big banks can be controlled between 5% and 7%, while the interest rate of credit loans of joint-stock commercial banks is likely to be higher than 10%. The former has a lower interest rate, but it has higher requirements for credit and qualification. The latter requirements will be lower, but they are still much stricter than those of non-bank lending institutions.
Is there a formal loan platform with low interest rates?
Regular bank loans with low interest rates;
1, e-loan for industrial and commercial finance
China Industrial and Commercial Bank, one of the four state-owned banks, has launched this kind of electronic loan with very low interest rate. Many people can borrow at an annualized interest rate of less than 5% for two years, and eligible borrowers can apply by themselves through mobile banking and other channels.
2. China Merchants Bank lightning loan
China Merchants Bank launched a large unsecured credit loan with low interest rate, with a minimum daily interest rate of 0.0 18%. Borrowers who hold a one-card savings card of China Merchants Bank, who are over 23-60 years old, have stable repayment ability and good credit, can apply.
3. CITIC Credit Seconds Loan
If the borrower is a payroll customer, a provident fund deposit customer or a mortgage customer of CITIC Bank, he can apply for this kind of second-credit loan without mortgage guarantee, and the annualized interest rate is as low as 4.35% ~ 15.68%, and the bank will make specific pricing according to the user's credit score.
4. Shanghai Pudong Development Bank pointed out that loans
Shanghai Pudong Development Bank launched online self-help personal credit loans for qualified customers. The loan interest rate is between 3.6%- 10%, and the loan term is up to 5 years. The borrower is over 20 years old, with stable income and good credit, and can try to apply for provident fund for more than 6 months.
5. Fast loan from China Construction Bank
This kind of quick loan has a low interest rate, which is generally around 4.5%. Moreover, the quota is high, so as long as you buy wealth management products in CCB, you have a greater chance of obtaining the approval of the quota. Log in to the mobile banking of China Construction Bank and click Quick Loan to apply. It is also very convenient.