It is recommended to choose formal channels to handle loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through the mobile banking app, or you can check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)T+ 1 day loan. There will be telephone verification within T+ 1 day, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.
(reply time: June 2022 14. Please refer to the latest business changes announced by China Merchants Bank in official website. )
Do you know which platform you can borrow if you are short of money?
1. Money flower is a formal platform, and you can borrow money quickly if you need it urgently. The maximum amount is 200 thousand, and the daily interest rate is at.
Between 0.02% and 0.05%, the interest rate is relatively low, and it can be repaid in installments of 12, with fast core and fast loan. Users with good credit qualifications will arrive at the account in 10 minutes at the earliest.
2. Meituan's living expenses Meituan's living expenses are credit loan products launched by Meituan for individuals. The loan amount is 200,000 yuan, and the daily interest rate is similar to that of loans and small loans, ranging from 0.02% to 0.05%. It can be repaid in installments of 12, and high-quality users who often use Meituan will easily pass and receive the account on the same day.
3. Micro-enjoyment plus micro-enjoyment plus micro-enjoyment is also a kind of online loan that can be loaned with urgent money. The maximum amount is 654.38 million yuan, the daily interest rate is about 0.04%, and the service period is the shortest 15 days and the longest 12 months. There is no return visit to the system-wide audit, the application conditions are good for people over 22 years old, and the work income is stable. It is also a very good platform for the next online loan.
4. Huaya borrow money to spend Duck Loan is a compliant lending platform, matching loans from banks and licensed financial institutions, with very high security. The loan amount is 654.38 million yuan, and the annualized interest rate is 24%.
What online lending platform can I borrow money from?
As we all know, the loan threshold of online lending platform is relatively low, so many friends will consider applying for online lending solutions when they encounter difficulties in capital turnover. However, online lending also has a threshold. If the borrower's comprehensive score does not meet the requirements of the lending platform, the loan will be rejected, so many friends will want to choose a low-threshold online lending platform. So which online lending platform is easier to borrow money from?
There are many online lending platforms on the market, and it is relatively easy to borrow from these lending platforms.
1. Sorry. Lending treasure is a credit loan product in Alipay. Users who open Lending Bao can find the entrance of Lending Bao through Alipay and click Apply for Loan. The loan funds can be directly distributed to the borrower's Alipay account or Alipay-bound bank card account. However, it is worth noting that borrowing money is currently opened through the official invitation system, and only invited users are eligible to borrow money.
2. Have money to spend. Money is the credit service platform of Dudu Finance. 18 non-school students can apply for a loan amount. The maximum loan amount is 200,000 yuan, and the minimum daily interest rate of the loan is 0.02%. Whether the loan amount can be successfully obtained is determined by the system according to the user's personal comprehensive situation.
In addition to borrowing money for consumption, loans such as small loans and JD.COM gold bars are relatively easy. Whether the loan can be successfully approved depends mainly on the personal qualifications of the borrower. If the personal qualifications are good enough, the loan pass rate will be high.
Some friends prefer to choose a low-threshold loan platform when choosing an online loan platform. Presumably, many friends have seen a platform claiming "100% compensation" and "black households can also compensate" on the Internet. For such platforms, please choose carefully, because formal loan platforms have their own risk control systems. Lending institutions will only provide loan services to borrowers if their personal qualifications meet the requirements of the platform. If there is really a 100% payment platform, imagine how much risk this platform needs to bear, which is not conducive to the long-term stable operation of the platform. Therefore, when choosing a loan platform, the most important thing is to choose a formal and reliable platform.
Which lending platforms can borrow money?
At present, the formal lending platforms are: Flower Garden, Ant Lending, Alipay Online Banking, Rongding Hundred Loans, and Zhaolian Good Term Loans.
Bai Hua 1
Alipay launched the "consumption first, payment later" service, and users with sesame scores above 600 have the opportunity to apply for opening the "flower garden". At present, the amount of "flower garden" is between 2500-30000 yuan. Users can use it to shop in Tmall Mall or Taobao, and make repayment on the following month 10 after confirming receipt. As long as the repayment is made on time, there is no handling fee.
2. Alipay Online Merchant Bank
Alipay online merchant bank still serves small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions. The application threshold is the same as the previous loan. The maximum loan amount is 1 000 yuan, the expected annualized interest rate on the loan day is 0.05%, and the loan term is 1.2 months. Use the average capital repayment method.
Before, I also needed business turnover. I have used several microfinance products. The first one I applied for was a small amount of money (formerly Baidu Finance), which was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.
3. Ants borrow it
Alipay's loan business is called ant borrowing. Users do not need to submit complicated personal materials and financial certificates, and the loan can be completed in 3 seconds at the earliest. This service is located in "Credit Life" in "Sesame Credit". Specifically, you only need to open Alipay wallet, click Wealth to check sesame credit score, and then click Credit Life menu to see "Ant Borrowing". To use this service, users who need sesame scores above 600 can apply for loan lines ranging from 1000 yuan to 300,000 yuan. The specific amount needs you to log in to Alipay and enter sesame credit inquiry.
4. Recruit good loans
Zhaolian Good Term Loan is Alipay Life Loan under Zhaolian Finance, with a maximum amount of 200,000 yuan for recycling and a daily interest rate as low as 0.029%. The borrower 18-50 years old is required, and the sesame score is above 550.
There are licensed small loans in the market, such as Du Xiaoman, Zhong 'an Small Loan, 360 IOU, Pat Loan, Foreign Currency Pot, Provincial Loan, Micro Loan, Lending Treasure, Staging Music, Banyan Tree Loan, Jingdong Finance, Ping An Pratt & Whitney, Ma Shang Finance and its bank small loan products, and so on. Several small loan products have been used in business turnover before. In fact, every small loan platform has an internal application entrance, with low interest and easy access. Share it with those in need and scan the QR code below to enter!