What are the licensed loan financial institutions? These five are all licensed

In real life, many people will encounter situations where they are in urgent need of cash flow. However, bank loan application procedures are relatively complicated. Many borrowers need a capital injection on the same day, and online loans can solve their urgent needs. What are the licensed lending financial institutions? All five of these!

What are the licensed loan financial institutions?

1. Youqianhua Youqianhua is an APP under Baidu Finance. The borrower must be between 18-55 years old and bind his second-generation ID card and other relevant card information. It should be noted that Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application.

2. 360 IOU 360 IOU is a consumer credit brand launched by 360 Finance. It is similar to many consumer credit products on the market. The main funds come from loans from banking institutions. According to the official website of 360 IOU, each user can borrow up to 200,000 yuan, 1,000 yuan for 12 months, and the daily fee starts at a minimum of 27 cents. The details are subject to the approval results.

3. Dishui Loan Dishui Loan is a loan product under Didi Finance, which can provide users with a loan limit of up to 200,000 yuan. Dishui Loan loan review can usually be completed within two or three working days, and some are approved very quickly. Applications can be approved on the same day, and the loan can be released on the same day.

4. JD Gold Bar JD Gold Bar is a product of JD Finance. It is a cash lending service customized by JD Finance for JD users, similar to Alipay’s Ant Borrower. Jingdong Gold Bar mainly provides cash borrowing services tailored for users with good credit, and can support a maximum withdrawal limit of 200,000 yuan.

5. Rong e-Wallet Rong e-Wallet is a small credit loan product of Chongqing Kerong Small Loan Company. It requires the borrower to be 22 years old and not more than 55 years old. It can provide users with a loan limit of up to 200,000 yuan, and the evaluation can be completed on the same day. The lowest daily interest rate does not require users to provide mortgage or guarantee. The above is the sharing of relevant content about "What are the licensed loan financial institutions?" I hope it can help everyone! Does Dishui Dai have a credit check?

The credit check is required and the loan needs to be repaid in installments.

According to Article 108 of the General Principles of the People's Republic of China and the Civil Law, debts must be paid off. If the debtor is temporarily unable to repay, the debtor may repay the debt in installments with the consent of the debtor or the ruling of the people's court. If the person has the ability to repay and refuses to do so, the People's Court shall make a judgment to force repayment.

According to Article 84 of the General Principles of the People's Republic of China and Civil Law, a debt is a specific relationship of interests and obligations arising between the parties in accordance with the provisions of the contract or in accordance with the provisions of the law. The person who has the obligation is the debtor, and the person who has the obligation is the debtor. The debtor requires the debtor to perform its obligations in accordance with the provisions of the contract or in accordance with the provisions of the law.

"Dishui Loan" is a credit product in Didi Chuxing APP. Users can apply for a loan limit of up to 300,000 yuan, and can borrow and repay at any time. It is reported that Didi serves as the entrance, mainly guiding product traffic and providing data, and its funding sources are licensed institutions such as Xinwang Bank.

Extended information:

About the issue of penalty interest rates:

1. Penalty interest rates for overdue loans (loans where the borrower fails to repay on the date agreed in the contract) The current interest rate of 2.1% per day will be changed to 30-50% added to the loan interest rate stated in the loan contract; the penalty interest rate for the borrower who fails to use the loan for the purpose specified in the contract will be changed from the current daily basis. Interest will be charged at a rate of 0.05%, instead an additional 50-100% will be charged on top of the loan interest rate specified in the loan contract.

2. For loans that are overdue or not used for the purpose stipulated in the contract, interest will be charged at a penalty interest rate from the date of overdue or the loan is not used for the purpose stipulated in the contract until the principal and interest are repaid. For interest that cannot be paid on time, compound interest will be calculated based on the penalty interest rate.

3. The interest rate of loans with a term of more than 5 years shall be determined independently by financial institutions with reference to the interest rates of loans with a term of more than 5 years announced by the People's Bank of China.

According to feedback from some netizens who have successfully applied for Dishui Loan, the loan limit of Dishui Loan is tens of thousands of yuan. However, the specific amount that each person can apply for is subject to the results displayed by the system after review. After submitting the information, the review can usually be completed on the same day and the loan will be issued on the same day.

In terms of interest, the official website of Dishui Dai shows that the interest rate is ultra-low, but it does not give a clear interest rate level. According to feedback from very few users, the daily interest rate is about 7/10,000. That works out. The annual interest rate exceeds 30. The authenticity of this has yet to be verified. It is recommended that you understand it before applying.

Is Dishui Dai going to have a credit report in 2019?

As far as the editor understands, Dishui Dai is currently logged into the central bank’s system, and any overdue or bad credit behavior will be recorded on the central bank’s credit report. . Therefore, users who are concerned about credit problems should think more about it when applying for a Dishui Dai loan. Why does Didi Shui Loan always show that it is under application?

Dishui Loan always shows that the application is under way because the system is in the review stage. Before the user borrows a loan, the system will review the loan information submitted by the user and the Didi account status. After the review is completed, the applied The status will naturally change. After passing the review, the fastest loan will take only 2 minutes. If it fails, it will only mean that the user does not meet the requirements of Dishui Loan in some aspects, which provides us with great convenience. How long does it take for Didi Shui Loan to be evaluated

Usually the evaluation can be completed on the same day and the payment can be made on the same day.

When you apply for a loan on Didi Shui Dai, the loan will usually be released to your account on the same day after approval. Of course, sometimes there may be delays due to busy banking business, system maintenance, tight loan funds, etc., such as same-day loan If the quota is used up, the loan will be postponed to the next day.

In this regard, customers just need to wait patiently, usually three to five working days is enough. If a customer has been waiting for a long time but has yet to receive a loan, it is recommended to actively consult the platform customer service to inquire about the specific progress and see if the loan has been rejected for some reason.