Hello, there are many websites where you can borrow money. When choosing, it is recommended to pay attention to two places. First, choose reliable big brands; Second, we should pay attention to the clear and transparent service details of loan products, such as loan amount, loan interest rate, repayment time and repayment method. Only by choosing reliable loan products can you meet your urgent need for money and ensure that your personal interests are not infringed.

Loans with money to spend are safe, reliable and trustworthy. "Qianhua" is a credit service brand under Du Xiaoman Finance (formerly Baidu Finance) (formerly Baidu Qianhua, renamed as "Qianhua" in June 20 18). The maximum click amount is 200,000 yuan. Big brands are reliable and low interest rates are trustworthy. Money is easy to borrow and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security. Youhuahua provides personal consumer credit services for the public, creates an innovative consumer credit model, inherits Baidu's technical genes, and uses artificial intelligence and big data risk control technology to bring users convenient, fast and safe Internet credit services.

Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

When users apply for loans, they will encounter loan products with different repayment methods. Because interest rates are often expressed in different ways, such as the daily interest rate of five ten thousandths, the monthly interest rate of 1% and so on, it is difficult to compare which product is more economical. The price comparison artifact introduced by the rich can help us solve this problem. By comparison, we can intuitively understand the interest and expense details of the compared products, which helps us to make decisions.

This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.

Is online lending reliable?

As a practitioner in the loan industry, I say that online loans are mostly unreliable. Why do you say that? Let me talk about the difference between bank loans and online loans! The last point is more important.

1, the process of bank loans is generally more complicated than online loans.

After the borrower submits the application form and related materials, the bank will review them according to the materials, and notify the customer to sign the contract and go through the relevant procedures after passing the review; The loan will not be released until the formalities are completed. Online loans, most of them are online applications. After the customer submits the application, the system will review it, and if it is approved, the loan will often be released immediately. (Some people choose online lending because it is simple and easy to apply. )

2. The audit basis of bank loans and online loans is different.

Bank loans measure the borrower's situation, mainly by reviewing his credit information, fixed assets, work, running water and other aspects; Taking online lending as an example, it is usually based on big data and its own risk control. (Some access the central bank's credit information system, and will review the credit information of customers. )

3. Bank loans generally take longer than online loans.

Many bank loans take several days, even a month, from the time when the borrower applies to the time when he receives the loan. From application to lending, online loans can now be completed on the same day, and some may take two to three days. (So one of the reasons why most people choose online loans now is because it is fast. )

4. Interest on bank loans and online loans.

Bank interest: At present, the annual interest rate of bank loans ranges from 3% to 8%.

Interest on online loans: Take the loans and micro-loans that are used the most now. Now the general interest rate 15000 yuan, a few people will be lower than this. But as far as online lending is concerned, this is low, and some are even higher. Then, what is the monthly interest converted from fifteen thousand yuan? Maybe many people don't know. (1.5 million yuan monthly interest 1.5 points, loan 65438+ million yuan, one month 1.500 yuan. You can compare the price difference, and the interest of 1.5 million is still relatively low compared with other online loans. The loan interest rates of various online lending platforms are different, and the interest rates of these online lending platforms are mainly concentrated between 10%-36%.

5. Overdue loans

When the borrower can't pay off the bank debt in time, he can negotiate with the bank in advance, and the bank has room for negotiation. For example, the borrower can apply to the bank for installment repayment, so there will be no penalty interest and liquidated damages. If the borrower is in loans overdue Bank, the bank will not bomb the borrower by phone in a short time. Only when the borrower fails to answer the bank's dunning call, the bank will contact the borrower's emergency contact.

When the borrower can't pay off the online loan, the online loan platform will not provide the borrower with any room for negotiation, and will generate penalty interest and high liquidated damages from the overdue date. Overdue records will also be reflected in the borrower's credit information. After the borrower's online lending platform is overdue, the online lending platform will bomb the phone in turn and contact the borrower's emergency contact person, which will affect the borrower's normal life.

6. Loan amount

You can apply for enterprise credit loans in a bank for up to 5 million yuan.

The online lending platform mainly provides small loans to borrowers, with the amount ranging from 1000 yuan to 200,000 yuan.

7. Term of loan

The loan period of banks is relatively long, and the credit period is generally between 1 year and 5 years. A few credit products for high-quality customers can have a term of 8 years to 65,438+00 years, and bank mortgage loans have a longer term, generally ranging from 65,438+00 years to 20 years.

Borrowing on the online loan platform, the borrower can choose a shorter loan period, which can be applied for several months at the shortest, generally not more than two years.

8. The influence of peer-to-peer lending on bank loans.

If the borrower borrows a lot of online loans, it is more likely to be refused to apply for loans at the bank, because bank credit products have certain requirements for the number of online loans. Generally, it is required that the number of online loans should not exceed 2, and the loan amount should not be higher than100000. In addition to checking the borrower's credit information, the bank will also review the bank's big data. If the borrower applies for too many online loans, it will affect the borrower's big data score, and ultimately affect the amount of loans applied for, and even be directly rejected by the bank.

Is it safe to borrow money online?

Low interest rate safe loan platform:

At present, it is easier to apply for loans through users, such as borrowing treasure, foreign currency piggy bank, pea money, new orange premium product, 360 IOUs, rich flowers, timely loans, micro loans, Huaya loans, Wanda loans, enough flowers, and 58 good loans. However, whether the loan platform finally meets the user's loan demand depends on the user's current personal qualifications. The higher the personal qualification (the higher the educational background, the more stable the work income, the better the credit record and the less the debt), the easier it is for the loan platform to apply for loans from users, and vice versa.

Ant borrowing: Ant borrowing is a loan service launched by Alipay, and the application threshold is sesame score of 600 or above. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, which can be repaid with the loan.

Micro-loan: Micro-loan is a pure online personal micro-credit revolving consumer loan product launched by Tencent Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. Through the user invitation system, invited users can see the micro-loan entrance in the "QQ wallet" of mobile QQ and the "WeChat wallet" of WeChat.

Everyone is short of money sometimes. If you need money urgently, you can get loans in the following ways: apply for online loans to borrow money: most online loans are credit loans, and there is no need for guarantees and collateral, such as borrowing money, micro-loans and JD.COM gold bars. After the application is successful, the next payment is made very quickly, and usually the money can be borrowed on the same day.

Which lending platform is the most formal and reliable, and the top ten lending platforms recommend lending apps with low interest rates and high pass rates:

Xiaoman Finance: Qianhua is a personal consumer credit service product launched by Baidu. After submitting your personal data, you can get a quota, and the review can be completed in 30 seconds at the earliest.