Mobile payment, internet credit and consumer finance have been integrated into modern people's lives. When we are in urgent need of money or need to pay in installments, we can choose some reliable loans. So, which loans are reliable? Let's take a look at it for everyone.
1, borrowed by ants
Borrowing is a loan service launched by Ant Financial Services Group relying on Alipay to provide loan services for Alipay users who have passed the comprehensive evaluation of Ant Financial Services. The threshold for application is sesame score above 600. According to the assessment, the loan amount that can be applied for ranges from1000-300,000 yuan.
Step 2 have money to spend
Qianhua is a loan platform of Xiaoman Finance (formerly Baidu Finance), which has a strong background and can provide credit loans for individual consumers and individual industrial and commercial households. The platform has launched personal credit loan products such as Easy Loan and Privileged Loan, which can meet the needs of most lenders.
3. China Post Wallet
As one of the top ten reliable online lending platforms in 20 19, China Post Wallet is a platform for China Post's consumer finance. Approved by the China Banking Regulatory Commission, it has a formal license and a background in the Postal Savings Bank.
4.JD.COM gold bars
In 20 16, JD.COM Consumer Finance launched the first cash loan product "Gold Bar", which adopted differentiated credit and expected annualized interest rate pricing to provide users with online cash loan services.
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What platforms are there for credit loans?
The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, JD.COM Jinmin Piman Finance, Suning Finance, Ping An Hewlett-Packard, Microfinance, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.
The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.
1. Have money to spend: The credit production bridge module under Du Xiaoman Finance is a formal and reliable loan platform, in which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.
2. Credit loan
The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.
If there is demand, I recommend that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, which is highly supported by Baidu brand background and technology.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
What are the most credible lending platforms?
Reliable lending platforms include Ant Lending, JD.COM Gold Bar and Du Man Finance.
1, ants borrow it:
Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their journey to the Internet through the "Internet Promotion Plan" and providing inclusive finance services for small and micro enterprises and individual consumers.
"Borrowing" is a loan service launched by Alipay. At present, the application threshold is more than 600 sesame seeds. According to different scores, the loan amount that users can apply for ranges from 1 0,000-300,000 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.
At present, consumer loans issued by e-commerce giants are mainly aimed at the staging of consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios are also starting.
2.JD.COM gold bars:
As a sub-brand of JD.COM Digital Technology, JD Finance includes personal finance, corporate finance and financial technology. , and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs, increase income, and work with financial institutions to better serve individuals and corporate users.
JD.COM Gold and Silver is a credit loan product. If you can't apply for a gold bar loan in JD.COM or you don't have a gold bar entrance in JD.COM, it means that your information has not passed the system evaluation for the time being and you can't provide gold bar loan service at present.
JD.COM gold bar is a credit loan product. According to the comprehensive evaluation of the system, opening the application is not supported at present. Click on the entrance of the gold bar and then click "I can't serve you", so you can't open the gold bar temporarily. You can find gold bars in two places:
(1) jingdong financial APP:
[home]-[borrowing money]-[gold bars] or [me]-[my gold bars]
(2)JD。 COM mall application:
[My]-[My wallet]-[Gold bars]
3. The degree of small full financial:
Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a new brand "Du Xiaoman Finance" to achieve independent operation.
Baidu's internet finance business began on 20 13. 20 15, the existing financial business was integrated into a financial business group, and the financial business was upgraded to Baidu's strategic position. Mr. Zhu Guang, Senior Vice President of Baidu, is fully responsible for this.
What are the online loans of the formal credit loan platform? Can I pay on the day of the credit loan?
What online loans are available on the reliable credit loan platform?
1, Mei Tian loan
The credit loan launched by Lingchuang Zhixin is a reliable online small loan, which has the advantages of organizing goods, fully automatic auditing and revolving loans. Borrowers who have reached the age of 22-45 can borrow as long as they are given their average monthly income, work trends, their valid identity documents, real-name registration system mobile phone number and bank card.
2360 IOUs
It is operated by 360 branches and belongs to a licensed financial institution. Mainland residents aged 24-55 can borrow money at 360 with their ID cards and mobile phone numbers of savings cards. 360 IOUs will evaluate the borrower's personal credit according to 360 Internet big data. The borrower's own qualification certificate is excellent, and 360 big data technology is also very good. Basically, you can borrow money the same day.
3, melt e wallet
Credit loans with a high credit card amount and fast loans are reliable products with online lending institutions. The stipulated age is 22~55 years old, and the mobile phone number of the ID card is bound to the bank card. The system will automatically review the loan application after it is clearly put forward, and the borrower with strong comprehensive score can pay on the same day and borrow more money.
Step 4 raise money and spend it
Zhongyuan Consumer Finance launched credit loans, and it is also a licensed financial institution with the qualification certificate for issuing loans. There is no requirement for the borrower, who is required to be 22-55 years old, with good credit information and stable repayment ability. He can use his ID card and mobile phone number savings card to verify the loan, and the better the qualification certificate, the faster the loan will be.
5.JD.COM gold
JD。 COM's financial industry credit loans can be directly borrowed by mobile phones, the borrower's comprehensive credit evaluation standard will be better, and the next payment speed will be faster and faster. It is stipulated that the borrower should be over 18 years old, have a real-name registered account in JD.COM, and be associated with his own savings card. If he has certain consumption details in JD.COM Mall, he can borrow better ones.
Can I pay on the day of the credit loan?
Most credit loans will mention the next payment interest rate in their commodity descriptions. Generally speaking, as long as you can make a payment on the same day, you can basically achieve it. However, it should be noted that the payment speed of credit loans is limited by various conditions. If you can pay on the same day, you can find it from the following aspects.
1. Type of lending institution
Credit loan is not only a commodity owned by financial institutions, but also provided by many online lending institutions. However, going to the bank to apply for a credit loan is much higher than online lending, and the approval time will be longer. The next repayment rate is likely to be higher than that without online lending.
2. Term of loan application
Although there is no actual time limit for applying for a credit loan, you can borrow it anytime and anywhere if you want, but it is recommended to avoid borrowing it at this peak of daily working hours, or you can apply for a credit loan in the early hours of the morning. The general quota has just been released, so don't worry about insufficient funds for loans.
3. The borrower's qualification certificate
Credit loans will be evaluated according to the comprehensive borrower's credit evaluation criteria, so the borrower's qualification certificate is also a key reference factor to decide whether to lend money on the same day.
For example, different borrowers apply for the same credit product on the same day, and one of them has good credit information and stable repayment ability, and can make payment on the same day. On the contrary, a person's personal credit information is flawed, or his ability to repay high debts is not very good, but it meets the loan requirements. System software is likely to spend less time on declaration, and it is not easy to make the next payment on the same day.
Which loan platform is easier to pass?
The borrowing platform is relatively easy to pass:
1, Meituan borrows money: Meituan credit loan, Meituan big data is good, and personal credit conditions are good, making it easier to borrow money. From the annualized interest rate of 7.2%, differentiated pricing will be implemented. Everyone's loan interest rate will be different. The final loan result is subject to the system evaluation.
2. Doudou Money: Pure credit loan does not need mortgage guarantee, the borrower meets the basic loan conditions, has no bad credit record, has high account activity, can try to borrow, and has stable repayment ability. The system automatically approves the loan, and the result can be obtained in a few minutes.
3. Financing e-loan: ICBC credit loan with a maximum amount of 500,000, which can only be applied by ICBC customers. If ICBC mortgage or credit card customers have a good loan repayment record and have bought wealth management products in the bank, the loan will be easier to pass, and the loan interest rate of 202 1 is still good.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Staging music can be borrowed up to 50 thousand!
Click online measurement
Which platform of credit loan is reliable?
A reliable credit lending platform recommended Mo Long, focusing on the lending industry 10, serving 3.2 million customers and lending1300 million yuan annually. The platform is reliable and trustworthy.
Borrowers can choose mortgage loans and credit loan products according to their own capital needs and loan qualifications. When mortgage collateral cannot be provided, more and more people choose to apply for credit loans. At this time, choosing a safe and reliable loan platform has become the first prerequisite for people to consider when applying for credit loans. Borrowers choose a reliable loan platform when handling credit loans. Not only can you have a good experience, the loan interest rate is also relatively low, and the procedures will be relatively simple.
For more information about the loan, please consult Moore Long. Moerlong has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and providing tens of billions of yuan in loan services to various customers every year. 20 15 Softbank China capital becomes Morlon shareholder. Softbank China Capital is a leading venture capital institution in China, and has successfully invested in a series of outstanding enterprises such as Alibaba, Taobao, Focus Media and IWC. 20 16, Morlong brand upgrade, financial technology projects launched at the same time. Up to now, a complete technical system for loan assistance business and an intelligent risk control system for big data have been formed, and professionalism is worth choosing.