The current formal lending platforms include: Huabei, Ant Borrowing, Alipay Online Merchant Bank, Rongding Baidai, China Merchants Union Haoxiandai

1. Huabei

Alipay launched a "spend first, pay later" service. Users with a Sesame score of 600 or above have the opportunity to apply for "Huabei". The current limit of "Huabei" is between 2,500 and 30,000 yuan. Users can use it to shop on Tmall Mall or Taobao. They can repay on the 10th of the next month after receiving the goods. As long as they repay on time, no charges will be charged. Any handling fees.

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 borrowing. The maximum loan amount is 10,000 yuan. The expected annualized interest rate on the loan date is 0.05%. The loan period is 12 months and the equal principal repayment method is adopted.

If you have capital turnover needs, we recommend Du Xiaoman Finance, which is a subsidiary of the original Baidu Finance. The company is registered with the Chongqing Industry and Commerce Bureau, operates under a formal license, and cooperates with licensed financial institutions such as formal banks and consumer finance companies to provide services. .

The interest fees are open and transparent, without any hidden charges. The lowest daily interest rate starts from 0.02%, and the annualized interest rate starts from 7.2%. The maximum limit is 200,000, and the account can be received in the fastest 3 minutes. The actual interest rate is determined by the system. Determine the user's comprehensive situation and differentiate pricing.

Du Xiaoman - Youqianhua (second batch) click online measurement

In order to provide better services, Youqianhua borrowing funds mainly come from formal banks and small loan companies , consumer finance companies and other licensed financial institutions, such as Agricultural Bank of China, Postal Savings Bank, China Everbright Bank, China Minsheng Bank, Hua Xia Bank, Bohai Bank, Bank of Beijing, Bank of Guangzhou, China Post Consumer Finance, Bank of China Consumer Finance, etc.

3. Ant Borrowing

Alipay's loan business is called Ant Borrowing. Users do not need to submit complicated personal materials and proof of financial resources, and the loan can be completed in as little as 3 seconds. This service is located in "Credit Life" in "Sesame Credit". Specifically, you only need to open your Alipay wallet, click on Wealth to view your Zhima Credit score, and then click on the credit life menu to see "Ant Borrowing". To use this service, users who need a Sesame score of 600 or more can apply for loan amounts ranging from 1,000 yuan to 300,000 yuan. You need to log in to Alipay and enter Sesame Credit to check the specific limit.

4. China Merchants Union Haoqi Loan

China Merchants Union Haoqi Loan is the Alipay Life Account loan under China Merchants Finance. The maximum amount of 200,000 can be recycled, and the daily interest rate is the lowest. to 0.029%, which can be borrowed or repaid at any time. This program requires borrowers to be between 18 and 50 years old and have a sesame score of 550 or more.