Where can I find a loan? Where can I get a loan besides bank loans?
Where can I find a loan? Where can I get a loan besides bank loans?
In our lives , everyone will inevitably encounter some difficult things that require funds to solve. At this time, most people will choose to apply for a loan. However, the threshold for bank loans is higher and the application process is more complicated. So besides bank loans, where else can you apply for a loan? What about loan business?
Nowadays, there are many institutions on the market that provide loan business. In addition to bank loans, there are also many small loan companies, financial institutions, and online loan platforms that can handle loans. I will introduce a few to you below. The most popular loan products:
1. Youqianhua
Youqianhua is a credit loan brand under the original Baidu Finance, mainly for salaried workers over 18 years old. We provide personal credit loans to , white-collar workers and other groups. Currently, Youqianhua mainly has three credit loan products: Manyidai, Zunxiang Loan and small-term loan.
The maximum loan amount supported is 300,000, and the daily loan interest rate is as low as 0.01%. Users can download the Youqianhua mobile APP to apply for a loan. Youqianhua uses Baidu artificial intelligence technology and Baidu big data to conduct loan review Yes, the payment is faster.
2. Ant Jiebei
Ant Jiebei is a loan function in Alipay. It mainly provides cash loan services to Alipay users with a Zhima credit score of 600 or more. It supports loans The credit limit ranges from RMB 1,000 to RMB 300,000. The specific loan limit is determined by the Jiebei system based on the borrower's comprehensive personal situation.
Jiebei is currently opened on an invitation-only basis. Only invited users of Ant Jiebei have the opportunity to activate the Jiebei function;
3. Weilidai
Weilidai is a loan product launched by WeBank. Users can apply for loans through mobile WeChat or QQ. The maximum loan amount is also 300,000, and the daily loan interest rate is around 0.05%.
The opening method of Weilidai is the same as that of Jiebai. It is currently only open to some users. The Weilidai system will evaluate the comprehensive situation of users from time to time. Only users whose evaluation results meet the conditions for opening Weilidai will be eligible for Weilidai. Only banks will open Weili Loan to users. Where else can I get a loan besides banks?
In addition to banks, you can also apply for loans from online loan platforms, consumer finance, loan companies, and private lending institutions. Relatively speaking, the loan interest rate for bank loans is the lowest among all loan interest rates. For other loans, the application threshold is lower than that of bank loans, but in order to avoid risks, such loans will increase the loan interest rate.
Therefore, when users apply for a loan, it is recommended that the bank apply for a bank loan first. If the user cannot apply for a bank loan, they can try to apply for other loans. I want to get a loan, where can I get a loan?
You can apply through our bank’s electronic banking channels. The loan application method is as follows: 1. Bank of China currently supports customers in some domestic areas to apply for loans through electronic banking. For details, please apply for loans online through personal online banking and mobile banking. Select from the drop-down menu or the China map of the online loan application function on our official website. Online loan application supports micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. The details are Please select from the drop-down menu. 2. Online loan application has two functions: loan application and application progress inquiry. You can submit your loan intention to our bank through this function. After successful submission, our bank's relevant staff will contact you.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses. Where can I get a loan?
The ways to get a loan include online lending, small credit loans, bank loan products, and policy loans.
1. Online lending
With the advent of the Internet, online lending is now also a very common way to borrow money.
Various P2P platforms can lend you money immediately as long as they pass the review, but the interest rates are also quite high.
2. Small credit loan
As you can see from the name, this kind of loan does not require collateral or guarantee, and relies entirely on credit. However, the review process is extremely strict, and only state-owned enterprises, civil servants, listed company personnel, lawyers, etc. can enjoy it.
3. Bank loan products
For example, flash loans and quick loans. You can see the introduction on the bank's official website. If necessary, just calculate the interest. Loan platforms and companies. There are many loan platforms and companies that can lend you up to 100,000 yuan, with low thresholds and fast disbursement.
4. Policy loan
If you fail to repay the loan, the principal and interest will be directly deducted from your policy until the contract is terminated. In any case, the insurance company will not suffer any losses. Just mortgage the policy to it and it will lend you money and charge interest.
Extended information
1. Cash installments of various banks. Almost every bank has its own cash installment product, which is like withdrawing money from a bank card and repaid in installments. The interest rate is slightly higher than formal bank loans.
2. Internet finance. For example, small loans on Alibaba and JD Finance. But the interest rate is very high. For example, the annualized interest rate of Alibaba’s borrowing money is almost 15%.
3. Credit card tx
. Special emphasis: Credit card tx
is risky and may be blocked and put on the bank's blacklist. This is a helpless move when bank loans and cash installments are not available and money is urgently needed.
4. There are other small loan companies everywhere, with very high interest rates, almost above 20%, and various hidden costs. If it’s not about saving money, I still don’t recommend it.