Don't touch the online loan, it's too pit.

Second, is there any online loan as reliable as borrowing? Ask for recommendation

Personally, I think the application conditions of online loans will be better than those of Shen Wansan Flash Silver and Strawberry Wallet, both of which are probably above 1000. I downloaded the loan, and the entrance is in zxwk.

3. What are the "online loans as reliable as borrowing money"? Now which is better, bank loan or borrowing money?

Lending treasure is a very reliable online loan, because it belongs to Alipay and has been recognized by people, so many people also believe in its products, and the setting of lending treasure is reasonable in all aspects, such as the time and method of interest calculation and repayment. Of course, there are many online platforms, and many other platforms are also very reliable. So what other online loans are as reliable as borrowing? Let's take a look together.

1. What are the online loans that are as reliable as borrowing?

Today's headlines can be borrowed with confidence.

Today's headlines guarantee that loans are as reliable as loans. It was launched by a famous Internet company on 20 18. The amount can reach 200,000, the daily interest rate is as low as 0.03%, and the shortest loan period is 3 months.

Maneki-neko

Cai Ximao is a comprehensive online lending platform with dozens of online lending platforms. Cai Ximao's online lending platforms are all relatively reliable platforms, and the speed, loan amount and loan period of the next payment are similar to those of borrowing.

Gome yika

Gome Easy Card is an online lending platform owned by Gome, which is as reliable as borrowing. Gome Easy Card can provide loans of up to 6.5438+0.5 million yuan for friends with provident fund and up to 50,000 yuan for friends with good credit.

Sina has borrowed it.

Sina Lending is a peer-to-peer lending platform under Sina. Com, so it's as reliable as borrowing. Sina's loan amount is less than 20,000 yuan, and the daily interest of the loan is as low as 0.3 yuan and as fast as 20 minutes.

petty loan

Micro-loan is an old rival to borrow money, as reliable as borrowing money, which was launched by Tencent. Micro-loans can provide pure credit loans for everyone, the amount is generally less than 200 thousand yuan, and the service life can be as long as 20 months.

Second, which is better, a bank loan or an Alipay loan?

Let's talk about bank loans first. Bank loans are much more than loans. Among them, credit loans, like loans, are unsecured credit loans, and now it is the era of big data. "Zuo Zhuan Zhao Zhuan Gong Eight Years" has a cloud, "A gentleman speaks, and he believes in it, so the resentment is far away." Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit. On the one hand, credit saves our borrowing time, makes it more convenient to borrow, and also helps each individual/enterprise get more fair lending opportunities. On the other hand, if you become an "old lai", buying a house, a car, traveling, flying/high-speed rail, and even children's schooling will be restricted. Credit information is very important to every individual/enterprise in economic life. If you don't know enough about your credit, you might as well go to prestige to check your credit information, overdue, online loan indicators and blacklist to see if there is anything unusual, so as not to affect your future life. However, the threshold of credit loans is relatively high, and you need to provide proof and qualifications, such as work, real estate, provident fund and so on. In addition, check whether there are other liabilities in the credit record when applying. The repayment method can be one-time repayment of principal and interest or early repayment, and the interest is not high. The annualized interest rate ranges from 4% to 10%.

The threshold for borrowing money is a little low. As long as the sesame score reaches 600, you can apply. At first, the amount will not be very high, generally below 10 thousand, which is good for short-term turnover. In addition, you can simply operate the loan and repayment with your mobile phone, and the interest is generally 1.5, or even as low as 13.5, so you can repay in advance. Among many online loan products, Lending Bao is the best one.

To sum up, we can know from the above that there is no loan that does not need to be audited. No matter through which channel you borrow money, you will be audited. Now we need the original and photocopy of the borrower's valid identity document and the relevant personal basic qualifications through online lending. If you have any other questions, you can come and ask us.

To sum up, from the above, we can know that online loans as reliable as loans include today's headlines, Happy Cat, Gome Easy Card, Sina Loan, micro-loan and so on. It is very convenient to borrow money, and it is also very reassuring during use. There is no clear definition of which is better, bank loan or Alipay loan. What suits you is the best. Please contact us if you have other questions.

4. What is a formal lending platform?

According to the level of qualification and interest rate, it can be roughly divided into the following categories:

First, the five major banks and the head joint-stock banks

Many people's stereotype of banks is loans, that is, they have nothing for their own use except credit cards. In fact, this state has become a thing of the past, and now banks have comprehensively enriched their product lines. So at present, no matter the five major banks such as Bank of China, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank and Bank of Communications, or the major joint-stock banks such as China Merchants Bank, China CITIC Bank, Minsheng Bank, Industrial Bank, Ping An Bank and Guangfa Bank, they all have their own apps, and they can already apply for credit loans in their own apps. However, after all, it is the head office, and the risk control requirements are relatively high, so the entry threshold is also relatively high.

Second, city commercial banks and private banks.

In addition to some head offices, many local banks now attach great importance to online lending. At the same time, due to the technical investment of these banks in online lending for many years, their online technology is also very developed. Well-known, such as some local city commercial banks, such as Bank of Beijing and Bank of Shanghai, and many private banks attach great importance to this business. Private banks are familiar with microfinance and online banking. This part of the online lending platform does not have such a high entry threshold requirement, but the interest rate is not as high as that of the people, and it can also be used as a good choice.

Third, the online lending platform of well-known brands.

If the threshold of the above banking department cannot be reached, then you can only choose some non-bank online lending platforms. However, as far as the pure online lending platform is concerned, there are many pits, and you need to be more cautious when choosing. It is best to choose an online lending platform under a well-known brand. Relatively speaking, the well-known brands in this respect are Bai Jie (under the Ant Group), Du Xiaoman (under Baidu) and JD.COM Gold Bar (under JD.COM). COM)。 Although these are not banking financial institutions, after all, their group brands are very good, so they are also relatively reliable brands.

abstract

There are many online lending platforms, but what platform to choose depends on your credit level. Online loans that can be applied for according to credit can be selected from five major banks, joint-stock banks, city commercial banks, private banks and small loan platforms under well-known brands.