First, a better online lending platform
1, excuse me
I believe everyone already knows that Lending Bao is a credit service brand under Alipay, with a maximum loan amount of 300,000 yuan and a daily loan interest rate of 0.0 15%-0.06%.
Borrowing white money is an invitation system, and you can only borrow white money after being invited. The opening condition is that the sesame score reaches 600, and Alipay has a real-name registration system. Sesame points are mainly based on the user's identity information, credit status, personal connections, repayment ability and so on.
2. Microfinance
Micro-loan is an Internet loan product launched by Tencent Weizhong Bank. The loan interest is calculated on a daily basis, and the daily loan interest rate is 0.02%~0.05%. Microfinance, like borrowing, is also an inviting way to open. Users can only use the loan if they are invited to micro-loan. Users can check whether there are micro-loans in qq wallet or WeChat Jiugongge.
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.
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 to applying for 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.
Step 3 have money to spend
Qianhua is a credit product of Xiaoman Finance, which provides personal consumption credit services to the public. Rich flower owners promote all-easy loans, with the maximum amount of all-easy loans of 20,000 yuan, the daily interest rate of rich flower owners-all-easy loans as low as 0.02%, and the lowest loan interest rate of 1 1,000 yuan, starting from 2 yuan every day. At the same time, when applying, you must ensure the authenticity of the information you provide, and ensuring good credit information is also a necessary condition for obtaining a better quota.
Second, the conditions that online loans need to meet are:
1. The borrower can provide an ID card.
2. The borrower can provide a residence permit.
3. The borrower is over 18 years old and has full capacity for civil conduct.
4. The borrower can provide personal bank flow.
5. The borrower can provide asset certificates required by other lending institutions.
6. The borrower shall verify the mobile phone number.
7. The borrower can provide proof of the purpose of the loan.
There are more and more online lending platforms, and it is more and more convenient to borrow money, but it also leads to more and more overdue people. Many friends are helpless in the face of collection. After all, they owe money first and make mistakes first. Even if you want to negotiate repayment, it is often fruitless. In fact, negotiating repayment is also skillful. Using some negotiation skills, the effect may be much better.