Friends who use Alipay should all know Sesame Credit, which is a third-party credit reporting agency under Ant Financial. At present, sesame credit has been widely used in consumption, financial leasing, travel, renting and other scenarios. The higher the user's sesame credit score, the better the personal credit status. Now many credit products have certain requirements for the borrower's sesame credit score. So what are the platforms for borrowing through Sesame Credit?
It is understood that there are many channels for using sesame credit sub-loan in the market at present. For example, the following loan products have certain requirements for the borrower's sesame credit score:
1, excuse me. Borrowing is a personal credit loan product in Alipay, with a maximum loan amount of 200,000 yuan and the longest term of 12. At present, the application threshold for loan is that the sesame credit score is above 600, but this does not mean that users with sesame credit score above 600 have the opportunity to open loans only by sesame credit score, because loans are currently opened through the official invitation system, and only invited users have the opportunity to open the loan function.
2. Long-term loans. Good term loan is a personal credit loan product under Zhaolian Finance, with a maximum loan amount of 200,000 and a maximum term of 60 months. According to reports, only users with sesame credit scores above 700 points have the opportunity to apply for good loans. Eligible users can apply for loans by paying attention to the life number of good loans through Alipay.
3. Be good at borrowing money. Good Loan is a personal credit loan product launched by Mi You Finance, the direct selling bank of Guangfa Bank, with a maximum loan amount of 200,000 yuan. The application threshold of this product is sesame credit score above 700, and the daily interest rate range of the borrower's loan is also related to sesame credit score. The higher the sesame credit score, the lower the daily interest rate.
The above loan products all have certain requirements for the borrower's sesame credit score. In fact, in addition to the above three products, many of them can be loaned through Sesame Credit. Just what everyone needs to pay attention to is that sesame credit score is a necessary condition for applying for a loan. Sesame credit score can only apply for a loan if it meets the conditions stipulated by the lending institution, but whether it can be successfully applied for a loan depends on the results of systematic comprehensive evaluation. After all, sesame credit score is only one factor in loan approval. Only when the sesame credit score meets the requirements and other conditions of the loan product are met can the loan application be obtained.
With the more and more extensive application of sesame credit, sesame credit score has a greater and greater impact on us, so everyone should pay attention to repayment on time in the process of using credit products, so as not to affect personal credit and lead to the decrease of sesame credit score.
This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.
2. What are the regular sesame credit loan platforms?
Alipay likes borrowing money.
The personal credit loan launched by Alipay, using the entrance of Alipay, provides a loan of up to 200,000 for users with good credit qualifications with a sesame score of 700 or more, and even gives an attractive annualized interest rate of 0.03% per day.
Dingdangdai
Dingdang Loan is an established loan platform, which mainly provides loans for young people. The account has provided loans to more than 6,543,800 people, with a monthly transaction volume of 2 billion.
Wangnongdai
The online merchant bank launched a loan product for rural users, mainly serving the second generation of farmers and villagers. The maximum loan amount of Wangnong Loan is 500,000. The data shows that the average approved quota in the pilot rural areas can reach about 50,000 yuan.
Borrow music flowers
Borrowing Lehua is a sesame sub-loan platform under WeChat Jinke Group, with extremely fast lending speed, and the cumulative service number has exceeded 65,438+10,000.
Trust payment
Trust payment is an order loan product launched by online merchant bank, and users can "take the goods first and then pay". This product is particularly targeted, and it is very useful for people who have already made a deal and become a problem.
Borrow at will
Convenient loan is a loan platform for people under 40 years old. 20 18, you can pay on the same day. This person is not interested in the borrower's sesame credit, so he can apply if he has sesame credit.
All the above loan platforms can get loans with sesame seeds, but no one has different requirements for the loan platform. You must reach a certain sesame credit score to apply for a loan, and you must remember to choose a formal loan platform.
Third, 20 19, as long as sesame credit points can be a platform for loans! I didn't expect it to be so easy!
Sesame sub-loan platform has always been an important type of small loan in the online loan industry, which is liked by many Alipay users. In 20 19, sesame credit loans were still very popular in the online lending circle. People often ask what platform can 20 19 sesame credit score borrow? In fact, the user's sesame credit score is good. With simple information, you can try the following platforms.
Ant Borrowing Ant Borrowing is a real regular army of sesame loan, and regards sesame credit as a brother. Ant Loan will provide qualified Alipay users with pure credit loans, generally not exceeding 300,000 yuan, and the service period is within 12 months. Support to borrow and return. Ant Flower Bud Flower Bud is a loan product of Ant Financial, which has good comprehensive credit and can be opened without providing mortgage and guarantee. The credit line of Huayuan cannot be withdrawn, and it mainly supports consumption through Alipay. ? There is no clear credit line range, which is determined by the system according to the comprehensive credit evaluation results of borrowers, ranging from several thousand yuan to several hundred thousand yuan. Zhaolian Good Term Loan Zhaolian Good Term Loan is also a platform for cooperation with Alipay Sesame Sub-loan, which was established by China Unicom and China Merchants Bank. Zhaolian good-term loan can provide a loan of no more than 200,000 yuan for friends with sesame scores above 600, and the daily interest rate can be as low as online business loans. Online merchant loan is a loan platform specifically for online shop owners, which is funded by online merchant banks. The platform can provide millions of loans for everyone, and the service life is generally 1 year. However, it is difficult for ordinary Alipay users to obtain online merchant loan credit.
4. What are the loans with sesame credit above 700 points?
1. If the sesame credit score is not less than 600 points and the user meets the requirements, just upgrade your Alipay wallet to the latest version, and you can use the "borrow" loan function in the "wealth" column of Alipay wallet.
2. Borrowing is a consumer credit product under Ant Microfinance. Users with a sesame score of not less than 600 will have the opportunity to use personal consumption loans. According to different scores, users can apply for a loan of up to 50,000 yuan, and the amount applied can be transferred to Alipay balance. The longest repayment period of "borrowing" is 12 months, and the daily interest rate of the loan is 0.045%.
3. Although using Alipay to borrow money is convenient and fast, its interest rate is relatively not low, so remember to overdraw within your own ability to avoid exceeding your repayment ability and adversely affecting your personal credit.