The loan software of the big platform is more reliable and the interest is lower, such as borrowing. Introduction of mobile phone loan software: 1. Lending treasure is a loan service launched by Alipay. Sesame scores above 600 points have the opportunity to apply, with a maximum amount of 200,000. The expected annualized interest rate on the loan date is between 0.02% and 0.05, most of which is 0.04%. The longest repayment period of the loan treasure is 12 months, and it will be repaid with the loan, and it will be received in one minute. 2. China Merchants Bank's lightning loan China Merchants Bank's lightning loan is aimed at high-quality customers of China Merchants Bank's one-card card, with a maximum amount of 500,000 and an expected annualized interest rate of 0.042% on the loan day. The loan period is flexible and can be received on the same day. Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it 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. Xiaoman-Rich Flowers (the second batch) Click online measurement.

Pay special attention to the amount of money spent: 1. After the amount is spent, it should be withdrawn as soon as possible, because the amount may become invalid after a long time. 2.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. My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent. 360 IOUs, with a maximum loan of 200,000! There is also a trick of clicking on the online measurement application 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan. 3. The maximum amount of WeChat flash silver is 50,000 yuan. Although it is not as good as China Merchants Bank's flash loan, it can meet the needs of customers with small funds and solve the short-term funding problem. The monthly handling fee rate is 1.5%-2%, which can be received on the same day. 4. Ping An Pratt & Whitney, a subsidiary of China Ping An, has a low interest rate on mobile phone loans and ranks high in the software rankings. With innovative technology and excellent customer experience, Ping An Pratt & Whitney provides more professional personal loans, unsecured personal loans and SEM products for individuals and various small and micro enterprises.

2. What are the procedures for China Merchants Bank and how much does it cost?

Judging from the current reality, the basic conditions of micro-credit loans are:

(1) 1. Chinese mainland residents;

(2) Having a stable address and place of work or business;

(3) A stable source of income;

(4) Fourth, without a bad credit record, the loan cannot be used for stock trading or gambling.

The application materials (1) provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

(2) Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

(3) Provide stable proof of income source, bank flow sheet and labor contract.

If you need a loan, recommend the consulting loan service of Easy Loan China-you only need to submit an application online, and Easy Loan China Easy Loan China will review it for you as soon as possible to solve your problem-you only need to fill in your loan demand and your information (you don't need to fill in personal identity information and other privacy), and the financial planner of Easy Loan China will analyze your loan demand and information, then choose a bank suitable for you and get in touch with you at your residence. In this process, you have the right.

In view of your personal situation, this kind of loan is especially recommended here. You can try-

Fast loan application channel, with a quota of 0.5-50,000 yuan:

/quickloan/index.jsp？ dashi=gp327998627

Easy Loan China is a network platform for online loan application. Cooperate with more than 20 banks/microfinance companies nationwide, including Bank of China, Industrial and Commercial Bank of China, Shenzhen Development Bank, Standard Chartered Bank, Industrial Bank and Shanghai Pudong Development Bank. And accept online loan applications from all over the country.

E-loan China loan application process: online application-E-loan China financing consultant contacts the applicant and verifies-submits the application to the bank/microfinance company-the bank/microfinance company contacts the applicant-signs the loan contract. One application business, many financial institutions respond! Generally, the application time for personal loans is 1 to 2 weeks, and the application time for corporate loans is 2 weeks 1 month! Save time for lenders to run to major banks and reduce costs outside loans!

Third, how to handle the micro-credit loan of China Merchants Bank's credit card pocket life recently due to lack of money?

You can apply by yourself if you use a credit card for a period of time and have a good credit record. How much can you borrow from your pocket money? I have used it for almost a year, and it has not expired. I just need to withdraw more cash. Is there any other way?

4. Can I use the card of China Merchants Bank?

If you have a card of China Merchants Bank and have a mobile phone number bound, you can log in to mobile banking, click My-All-Loan-I want a loan, and try to check whether you meet the conditions of "lightning loan" through this interface. If so, you can try to apply.