Hello, there are these 1, and the application threshold is different. Banks have a lot of loans and provide all kinds of loans. Most banks have launched their own online credit products, which can meet the online and offline loan needs of users. However, the threshold of bank loans is relatively high, which requires the lender to have certain economic ability and credit, both of which are very important. Bank loan application requirements are very strict. Generally speaking, most loans are provided for bank customers, and it is difficult for ordinary users to apply for loans. Banks only accept users who pay their wages by punching cards and can provide bank running water. It is basically difficult for users who pay their wages in cash to lend money, so as to maximize the risk of lending. Financial loans are generally applied directly online. Just provide your ID card and fill in all kinds of information. Personal credit is fine. If you have stable income and repayment ability, you can apply for a basically deleted loan, and it takes only a few minutes from loan application to loan approval at the earliest. 2. The loan interest rate is different. The loan conditions and threshold of financial loans are relatively loose, so the loan interest rate is usually higher than the bank loan interest rate, which can reduce the capital loss; The approval of bank loans is strict, and there is a certain degree of capital risk control before loan application, so the general loan interest rate will be lower, because there is a great possibility of loan recovery.

Second, the difference between financial loans and bank loans?

The differences between financial loans and bank loans are as follows:

1, the interest rate of financial loans is high.

Taking car loans as an example, bank car loans are strictly implemented in accordance with the central bank's interest rate and fluctuate with the adjustment of the central bank's interest rate. The loan interest rate of auto financing companies is obviously higher.

2. The threshold for bank loan application is high.

Auto financing companies have looser loan standards and simpler loan procedures. Under normal circumstances, the whole process only takes two or three days, and customers can get the car without paying fees such as handling fees and mortgage fees, which is convenient and fast. In the whole process of applying for loans, consumers' personal credit is an important factor to determine whether they can successfully apply for loans. The applicant's education, income, work, residence and even whether he has a driver's license affect his credibility. The higher the credibility, the smoother the loan.

The examination and approval procedures for bank car loans are complicated, which generally takes five working days or a week, and the requirements for the lender's occupation, income and credit are relatively high.

When a car buyer applies for a car loan from a bank, the information to be submitted and the bank's audit process are very strict. However, the strict examination of customers by banks does not mean that customers cannot apply for loans at banks. Generally speaking, professional groups with stable incomes such as civil servants, teachers and employees of well-known enterprises are more likely to be recognized.

3. What's the difference between financial loans and bank loans?

On the difference between financial company loans and bank loans

1, different interest rates. Because the threshold of bank loans is higher and the threshold of online finance companies is lower, the loan interest rate of banks is lower. Relatively speaking, online finance companies are on the high side, and the loan interest rates of some internet financial platforms even exceed the legal provisions.

2. The reliability is different. Why do so many people borrow money from banks, and banks have such a high reputation? That's not because the bank is too reliable, but the online financial platform is not so reliable. Some platforms even set various traps for users, so that users can't repay on time, and users will have to repay ultra-high interest in the future.

3. The convenience brought by the loan amount is different: the comparison between the two needs to be discussed in different situations. For example, if the loan funds are small, only one or two thousand yuan, then there is no need to go to the bank for a loan. You can apply for a loan directly on a reliable online lending platform, and you can also pay quickly, which is extremely convenient. If the loan amount is relatively large, up to tens of thousands, then Bian Xiao suggests that you still go to the bank for a loan. As mentioned above, the bank loan interest rate is low and relatively reliable. Although the loan process is troublesome and the audit is strict, if you want to be completely at ease, you must of course choose a bank.