Baidu has money to spend on loan terms.

Qianhua is a credit service brand owned by Xiaoman Finance (formerly Baidu Finance). Its original name is Baidu Qianhua, and its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model. Using Baidu artificial intelligence and big data risk control technology, it provides users with convenient, fast and safe internet credit services, which has the characteristics of simple application, fast approval, high quota, fast lending and strong security.

1. APPlication entrance: Users can apply through Qianhua APP and Baidu Wallet APP, or enter "My" through Baidu APP, Baidu Map APP, Baidu Post Bar App and Baidu Cloud Disk App and click "Qianhua" or "Borrow Cash" to apply, or use Baidu to search for keywords such as "Qianhua" and "Baidu Qianhua" to apply in official website.

2. Loan process: fill in the information-obtain the quota-apply for the loan-receive the loan in real time.

3. Application threshold: provide my second-generation ID card and my bank card. Baidu registered users of age 18-55 can apply. The information is true and the credit record is good, and a higher amount will be obtained after approval.

4. Repayment method:

1) Manual repayment: make repayment according to the repayment date of the IOU, and bind the savings card in Baidu wallet to complete the repayment;

2) Automatic repayment: automatic repayment is turned on by default, and the result of automatic repayment is based on the time when the actual bank card payment is successful;

3) Prepayment: Prepayment is supported and no handling fee is charged;

5. Repayment date:

The repayment date in the IOUs shall prevail, and the repayment dates of multiple IOUs may be different.

6. Penalty interest:

If the bill is overdue, the system will charge overdue penalty interest at the interest rate agreed in the agreement and submit it to the Credit Information Center of China People's Bank. It is recommended to repay the loan on time and maintain a good personal credit record.

Demand introduction of Baidu wallet loan method

Baidu wallet not only provides users with convenient payment functions, but also provides loan services for some users in need. There may be many small partners who don't know that Baidu wallet can also be loaned! Below I brought the borrowing method of Baidu wallet and the requirements of some platforms. Friends in need come and have a look!

Baidu wallet loan tutorial:

1, open the software and choose Baidu to spend money;

2. Choose the content of the loan, such as medical and aesthetic installment, installment rental, mortgage loan, etc.;

3. Then select the required quota to apply.

Baidu wallet loan requirements:

1, the identity certificate of the applicant;

2. Personal credit report;

3. The salary card has been flowing for the past 6 months;

4. Other personal certificates required by the lending institution;

Summary:

The amount of credit loan depends on your salary and business form. State-owned enterprises have 20 times the wage stream, and enterprises 10 times the wage stream.

How does Baidu apply for money? What is the process of Baidu borrowing money?

How does Baidu apply for money? What is the process of Baidu borrowing money?

There are three different types of money-spending loan products, which are launched by money-spending users with different needs. If the capital demand is high, you can choose to enjoy the loan;

If the capital demand is high, but the loan term cannot be determined, you can choose all-easy loan;

If the capital demand is low and you want to take short-term loans, you can choose short-term loans. Note that short-term loans do not support active application. How can I apply for a loan if I have money to spend? What is the process?

First of all, the borrower needs to meet the conditions for borrowing money:

1. The borrower must be at least 18 years old, but not over 55 years old.

2. The borrower must have a job, a stable income and the willingness to repay the principal and interest of the loan.

3. The borrower's credit record is good, and the credit of online loan big data is good. There cannot be overdue records of multiple credit reports.

Borrowing money can be done through Baidu APP, Money APP, Xiaoman Wallet APP, Baidu Wallet APP, etc. Take Baidu Wallet APP as an example. The borrowing process is as follows:

1. Open the application supermarket, search for "Baidu Wallet", and click Download and Install;

2. After the installation is completed, go to the APP homepage and click "Register";

3. Enter personal commonly used mobile phone number, verification code and other information to complete account registration and login;

4. You can see the maximum credit line on the personal page and click "My line";

5. Next, you need to set the payment password, upload the ID number, fill in the mobile phone number and loan bank card, and finally enter the verification code to complete the identity information binding.

6. You can see the credit line of the platform on the personal page. For new users, the loan amount is low, generally around 1 1,000 yuan. If you want a high credit limit, you can contact customer service to submit loan information.

7. Click "I want to borrow" again, enter the loan amount, choose a reasonable repayment period, fill in the purpose of the loan, get the bank card, and click "Confirm the loan".

8. Then enter the mobile phone verification code to complete the loan application.

The loan amount with money will be determined by Baidu big data analysis according to the individual's use of Baidu search. The loan amount for new users will be lower and the loan interest rate will be higher. Old users are just the opposite, with higher loan amount and lower interest.