In addition to banks, only licensed platforms are generally more formal, such as Ping An Pratt & Whitney, 360 IOUs, rich flowers, pleasant loans, installment as scheduled, 2345 loans, building blocks and so on.
Second, what are the top ten conscience loan platforms?
Everyone can get a loan in an emergency and then solve the urgent need, so borrowing has become a part of our life. However, most people don't know how to choose when borrowing money. Now let's introduce the top ten conscience loan platforms, namely Alipay, Du Xiaoman, Tencent, 360, Xiaomi Finance, Zhaolian Finance, Mashan Finance, JD.COM, 5 1 provident fund manager and installment music.
Introduction of Top Ten Loan Platforms
1, loans, consumption and online business loans through Alipay are all safe and reliable loan methods;
2. Du Xiaoman belongs to a loan platform owned by Baidu, mainly because he has money to spend and the loan is satisfactory. Their advantages are long installment time, low interest rate and relatively high loan amount;
3. Tencent's main business is micro-loan, but micro-loan belongs to the invitation system, and not everyone can use it;
The 360 loan of 4.360 is a more conscientious loan platform. As long as they are adults, they can borrow, and the loan amount is limited to less than 200,000;
5. Xiaomi Loan under Xiaomi Finance supports installment repayment and loan repayment;
6. China Merchants Finance's recruitment of good term loans is an old loan method and a formal platform for conscience;
7. Instant Finance's comfort flower is also very conscientious, and it is a formal platform for large companies to endorse;
8.JD。 COM's Jingdong Finance is also very conscientious, divided into white bars and gold bars, with different functions;
9.5 1 provident fund manager is mainly suitable for users who have paid the provident fund, and can provide provident fund, social security loans, and multi-release in the first instance;
10, installment music is also a loan platform and has a good reputation.
The above is the introduction of the top ten conscience loan platforms.
3. What loans are as conscientious as borrowing? Take stock of the top ten loan platforms in 2020!
Internet finance has changed our lives. Mobile payment and internet credit have become an era when people need money urgently every day, and they will all apply on the online loan platform. Lending is better than online lending platform, relying on Alipay users and Alibaba's technology to obtain loans.
Borrowing users hope to find reliable online loans when choosing loan platforms. What other online lending platforms are as formal as lending treasures in 2020? I summarized the top ten loans for you.
1, microfinance
Micro-loan is a financial product launched by Shenzhen Qianhai Weizhong Bank, which adopts the invitation system and only has departments every year. Small loans are different every day, and the comprehensive loan interest rate is around 0.05%.
2. Recruit good loans
Zhaolian Good Term Loan is a personal consumption credit service launched by Zhaolian Consumer Finance. It is a licensed formal financial institution and can issue personal consumption loans. The loan with a good term is 1, with a term of 3 years, and the loan can be recycled within 3 years.
3. Online commercial loans
With the popularity of Alibaba Jack Ma, the online merchant loan has Alipay, and the sesame score is applied to a certain score, and the online merchant loan can be loaned.
4.JD.COM gold bars
JD.COM Gold Bar is the first cash loan product "Gold Bar" issued by JD.COM. COM's credit loan consumer finance. Differentiated credit and cash loan services are adopted, with a maximum credit line of 200,000 and the longest installment 12 months.
5. Today's headlines can be borrowed with confidence
Rest assured loan is a personal consumption loan service launched in today's headlines. It is said that the daily interest rate will be low from today's down payment.
It is understood that at present, it is only open to some users, and it and micro-loans can be opened if they want, but the system will invite them according to the user's situation.
Eligible friends can log in to Jintiantou-borrow it at will, enter the address of the work unit, income range, telephone number, contact information of the first and second contacts (relatives and friends), personal basic information (ID card, bank card) and ID card as prompted, and then click Submit Application to open it.
six
Youhuahua is a loan platform under Xiaoman Finance with strong background. Youhuahua provides easy loans, which can meet the needs of most lenders. The maximum amount of all-easy loans is 200,000, and the daily interest rate is as low as 0.02%.
7. Living expenses of the American delegation
Meituan life loan platform, it is understood that the maximum living expenses of Meituan is 50,000 yuan, and the loan interest rate is 0.05%/ day, which is the demand of users.
In addition, the living expenses of Meituan is a credit platform, otherwise it will not only bear a high penalty interest, but also affect personal credit information, which is not worth the candle.
8. Xiaomi loan
Xiaomi loan was launched in September, 2065438+2005, mainly for Xiaomi users with higher loan amount and more favorable loan interest. The maximum loanable amount is 200,000 yuan. The specific loan amount depends on the platform credit, and the daily loan interest rate is between 0. %, ordinary new users are basically 0.05%.
9. Ping An I Loan
Ping An Pratt & Whitney I Loan is a product of China Ping An (Group) Company with a loan amount of 50,000 yuan. Ping An I Loan is a revolving loan product. Within the credit line, as long as the repayment is normal, you can refinance indefinitely, and it will not change because of the different loan lines.
To sum up, I'd like to introduce it to you. At present, the popular and reliable online lending platforms are all online lending products launched by formal financial institutions.
10, China Post Consumer Finance
China Post Consumer Finance mainly provides cash loan products, installment loan products and revolving loan products. You can apply for loans online and offline. Online loans from China Post Wallet APP, China Post WeChat official account and China Post Alipay life account are convenient, mainly including revolving loans, extreme loans and owner loans.
People aged between 20 and 50 who have stable jobs, normal legal income sources and good credit conditions can apply for consumer finance loans from China Post. Applying for a higher loan can provide more proof materials. For example, the owner can enjoy a loan of up to 200,000 if he provides proof of real estate.
How to choose a reliable online lending platform
Now the online loan environment is very complicated, with many anti-aircraft gun platforms and many routine loans. It is easy to fall into these traps if you are not careful. I suggest you keep your eyes open and choose a formal and reliable online lending platform, otherwise you will be in big trouble in the future.
For the safety of your own property and privacy, you can consider the following factors before choosing a loan platform:
1, the level of loan threshold
In order to attract more users, some platforms will lower the loan threshold. For example, platform users who claim that "100% passes" and "black households can also make payments" must seriously consider it. After all, it is impossible for the platform to lend money at will for its own security reasons.
2. Loan interest rate.
If some platforms have extremely low interest rates and their own software is not popular, where does the profit of this platform come from? Not making money is obviously not in line with market rules, and the loan interest rate is too low to be cautious.
In addition, many unreliable loan platforms will set various traps for users, which will make the repayment pressure of users more and more, and the interest will roll to an unbearable level. Therefore, users must ask their own loan interest rate when lending.
Step 3 judge contact information
The formal loan platform will have a fixed contact information and business platform, while the contact information of the informal platform is often some micro-signals or QQ numbers.
4. Is there a business license?
Don't bother, don't be lazy when you have questions about this software. You can log on to the business administration website to see if the platform is registered. Kangbo reminded that at present, "routine loans" are still repeatedly banned, and loans must be selected on the right platform.