It's very simple to apply for a loan now, and you don't need to prepare a lot of information and documents as before, and go to the banking institution to wait for verification and audit. Many companies have launched the function of mobile phone loan, and it is convenient to complete the loan just by tapping the app. I counted some apps that can use mobile phone loans. Flower Garden: Flower Garden is an online shopping service provided by ant micro-loan to consumers, which is "buy this month and return it next month" (return it next month after confirming receipt). Most merchants or products of Tmall and Taobao support the flower garden service. Whether the specific products can be purchased with flower buds depends on the cashier page. Lending treasure is a consumer credit product under ant micro-loan. 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 "loan" is 12 months, and the expected annualized interest rate on the loan date is repaid by loan. JD.COM White Strip: The main content of JD.COM White Strip is that consumers can apply for a personal loan of up to 1 10,000 yuan when shopping in JD.COM, and repay it in installments within 3 to 24 months. Arbitrary payment: Arbitrary payment is a small consumer loan product provided by Suning Consumer Finance Co., Ltd. Users can use it to pay directly when shopping, and enjoy services such as cash withdrawal, 30-day interest-free (fee) during the preferential period and ultra-low handling fee installment. Micro-loan: "Micro-loan" products are positioned as Internet micro-credit products, with a loan amount of less than 200,000, and the expected annualized interest rate of loans is lower than that of ordinary credit cards.