Is Zhongyuan Consumer Finance Loan Regular?

Zhongyuan Consumer Finance is formal. The full name of Zhongyuan Consumer Finance is Henan Zhongyuan Consumer Finance Co., Ltd. It is a national non-bank financial institution established with the approval of the China Banking Regulatory Commission and specializes in personal consumption installment services and credit loan services. Its subsidiaries currently include “Withdraw Money” and These two products "pay in advance", and each of its products has its own borrowing requirements. Even if the application is unsuccessful, there will be no fees, so there is no need to worry about any tricks.

Zhongyuan Consumer Finance Company’s business:

1. Taqianhua: It is a purely online consumer loan product, that is, an online loan. Tiqianhua has “elite loan” There are several loan models including Provident Fund Loan and UnionPay Business-Withdrawal of Money. Their target customers are different:

2. Elite Loan, which mainly provides loan services for high-quality corporate employees. Elite Loan is a loan product tailor-made by Zhongyuan Consumer Finance for office workers. The limit can reach 200,000 yuan, and the interest rate is as low as 2 yuan for 10,000 yuan. Product Features: Zhongyuan Consumer Finance Elite Loan calculates interest on a daily basis. The interest is repaid first and then the principal is repaid. Withdrawals can be made at any time 24 hours a day, 7 days a week, and the application can be successfully applied in as fast as 5 minutes.

3. Provident fund loan, which mainly provides borrowing services for provident fund deposit customers. The provident fund loan is a loan provided by Zhongyuan Consumer Finance for friends with provident funds. If you have accumulated provident funds for 12 months, you will have the opportunity to apply. Product features: Zhongyuan Consumer Finance’s provident fund loan can be recycled within one year, and the interest is calculated every day.

If you have capital turnover needs, it is recommended that you use Youqianhua. Youqianhua is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, changed its name to "Youqianhua" in June 2018 "), big brands are reliable, have low interest rates and are trustworthy. Youqianhua-Manyidai, the maximum loan amount is 200,000, and the daily interest rate is as low as 0.02.

I have learned about many small loan companies. Generally speaking, Baidu Youqianhua has the highest approval rate platform. The credit limit is the highest. I was given a credit limit of 9.5W for nothing, and my colleague directly extended a credit limit of 18W.

Du Xiaoman - If you have money to spend (second batch), click online to measure the amount

Special note: withdraw the full amount as soon as possible after the limit is exceeded, because risk control is dynamic.

It is best to put forward all the suggestions you have. The risk control system will mistakenly think that you do not need the funds, causing the withdrawal to fail. It is safer to raise at least 60. Early settlement and repayment is supported after the first installment.

If you have enough money to spend or no quota, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The review is relatively less strict! Are Bank of China Consumer Finance loans a scam? Has anyone been deceived?

BOC Consumer Finance customer service hotline: 95137 (working hours 8:00-23:00). If you have any questions, please call us.

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. Is BOC Consumer Finance's loan formality?

BOC Consumer Finance is a formal online loan. BOC Consumer Finance is one of the first consumer finance companies in the country approved by the China Banking and Insurance Regulatory Commission (formerly the China Banking Regulatory Commission). It is a comprehensive operating company under the Bank of China and the first consumer finance company in Shanghai. It is a formal online loan.

Personal Internet small loans/consumer finance: One is to see whether you have the qualifications to lend, that is, whether you have a financial license issued by the central bank; the other is to see whether the loan interest rate is reasonable. Generally speaking, reliable small loans The company will clarify various loan fees, and the annualized interest rate will be within 36, that is, the annualized interest rate will not exceed 4 times the LPR for the same period. The stronger the shareholders behind a microfinance company, the higher its reliability. If the shareholders of a small loan company are central enterprises, large state-owned enterprises, or companies with high social reputation, then the small loan company is relatively reliable.

The top ten loan platforms, the top ten conscientious loan platforms recognized by the state!

1. Baidu Consumer Finance:

Baidu Consumer Finance not only holds an online small loan license, but also indirectly obtained a consumer finance license through its 30% stake in Harbin Bank of China Consumer Finance. Not to be underestimated.

The representative product is a pure credit loan for money to spend. It cooperates with 7 major banks to provide loans. The maximum limit is 200,000 yuan. The daily interest rate is as low as 0.02. No mortgage guarantee is required. Second-generation ID cards and personal debit cards are provided. You can apply for it, the approval is quick, the loan is disbursed quickly, and borrowers who are 18 to 55 years old and have good credit can try it.

Du Xiaoman - If you have money to spend (second batch), click to measure the amount online

2. 360 Finance:

360 Finance is also very strong, through its subsidiaries It holds 6 financial licenses through acquisition or shareholding, including insurance brokerage, online small loans, financial exchange, financing guarantee, consumer finance, and fund agency licenses.

The representative product is 360 IOU, which is a pure credit consumer loan without mortgage guarantee. To apply with credit, mainland Chinese residents aged 18-55 can provide their ID card mobile phone number and password to authorize the binding of the savings card. Borrow money, the maximum amount is 200,000 yuan, and the daily interest rate starts at 0.027, which is suitable for office workers' capital turnover.

Click to measure the amount online

3. Ping An Consumer Finance:

In April 2020, it obtained the approval of the consumer finance license from the China Banking and Insurance Regulatory Commission, and on April 23 Officially opened for business, with a registered capital of 5 billion yuan, 30% of which is held by Ping An Group, and a total of 70% is held by three affiliated companies of Lufax.

The representative product of Ping An Bank’s New Loan (Quick Loan) can borrow up to 500,000! 0 mortgage, 0 guarantee: no guarantee required, just personal credit, application threshold is low: you can apply if you have an average monthly income of more than 4,000 yuan (provident fund, housing loan, insurance policy are all acceptable)

Click here to take an online test for Ping An New Loan Um