Zhaolian Finance and Lightning Loan are two independent loan businesses of China Merchants Bank. Anyone with good credit can apply for a loan.

The difference between the two: lightning loan is a personal online loan business issued by China Merchants Bank to customers, which is used for the borrower's liquidity turnover or the borrower's comprehensive consumption. Good term loan is an Internet credit loan product under Zhaolian Finance, which is mainly used for personal consumption.

The maximum amount of lightning is 300,000 yuan. Okay, the maximum amount of time loan is 200,000 yuan.

The minimum annual interest rate of lightning loan is 7.2%. The daily interest rate of good-term loans is between 0.029% and 0.098%, depending on the applicant's personal qualifications.