To some extent, reasonable debt is also a way of managing money, and people who dare not borrow may not be really rich all their lives. It is not to encourage people to blindly borrow money or invest in wealth management. Of course, it must be within a reasonable range. So how can I borrow 5000 yuan quickly?

Why borrow 5000 yuan? What can you do with 5000 yuan? Sometimes money is badly needed. 1 ,000 yuan is too little, and 1 ,000 yuan is too much. 5,000 yuan is a more appropriate figure, which is easier to accept. And where to borrow 5000 yuan, borrow it quickly!

I believe that no one will think of borrowing money from relatives and friends. One is the problem of face, and the other is that there will always be various problems in borrowing money from these close people. So it's best to find some institutional loans, so there are specific terms, no worries. _ Having said that, how to get 5000 yuan quickly? We have sorted out four feasible methods. You can sit in the right place and choose the one that suits you according to your own situation. It is no longer difficult to borrow 5000 yuan quickly.

bank clerk

Operating loan

Applicable people: business owners and self-employed.

Expected annualized interest rate: generally 30% to 50% higher than the benchmark expected annualized interest rate.

Do you need collateral? Yes

Duration: generally not more than 5 years

Comments: Generally speaking, compared with traditional corporate loans, personal business loans are more convenient to operate and require fewer procedures and processes. Especially by the baptism of internet thinking, many banks have obtained fast loans, and they only need to apply online, and they can usually lend money within one week.

However, the general personal business loan still needs "the borrower should continue to operate the enterprise in a fixed place for more than one year (inclusive), with good operating profit and no record of violation of laws and regulations". At the same time, in order to ensure that the borrower has a stable and reliable source of repayment, it is necessary to provide collateral, and the mortgagor should be a "legal person". After submitting the loan application, it will be evaluated by a third-party institution.

Bank credit category

loan

Applicable people: self-employed or office workers

Expected annualized interest rate: the benchmark expected annualized interest rate will rise by 50%.

Do you need collateral? number

Duration: generally not more than 36 months

Comments: For start-ups, it is particularly difficult to provide a one-year business-to-public account. At the same time, it is difficult for some self-employed people to apply for traditional business loans because of the lack of collateral, so bank credit loans are particularly worth introducing.

For self-employed, credit loans can help enterprises to "find money" quickly. For example, at present, credit loans are covered by products such as "business cards" and "business loans" of many banks including Guangfa and China Merchants Bank. Even if you don't provide mortgages such as real estate, you can also make revolving loans through running water, which is more convenient. However, the credit line of such loans is generally not too high, and they will enjoy different expected annualized interest rates based on personal flow and comprehensive situation evaluation. However, for many borrowers, the approval time of credit loans is generally not too long, and some banks promise to approve them one day and receive them the next day.

credit card

Cash installment payment

Applicable people: individuals with credit cards.

Expected annualized interest rate: charged according to the handling fee, and the handling fee rate of each period depends on whether collateral is needed: No.

Comments: It is definitely good news for individuals who need money badly in the short term. In the past, we all know that credit cards have the function of overdraft withdrawal, that is, credit card withdrawal through ATM machines, but most banks have stipulated the daily withdrawal amount of each card, and the maximum withdrawal amount generally does not exceed 50% of the total overdraft amount.

Different from the traditional overdraft withdrawal, the credit card cash installment business is not restricted by the above rules, and the handling fee is relatively cheaper. In the past, a certain handling fee was charged for daily interest on overdraft withdrawal. Comparatively speaking, according to different regulations of different banks, cash installment is relatively cost-effective.

DP2P platform

loan

Applicable people: any individual with a stable source of repayment

Expected annualized interest rate: about 20%

Whether collateral is needed: It depends.

Comments: It is difficult for small and micro enterprises to borrow money, and it is not enough to solve it only by banks. After all, from what we have learned above, the procedures and processes that banks need are still complicated, especially in the process of examination and approval, some "substandard" customers have been screened out. At this time, it is a good idea to borrow money from P2P platform.

Compared with obtaining loans from banks, there are more P2P platforms and wider choices. At the same time, for some business owners and individuals with slightly "defective" procedures and materials, more measures can be taken to remedy them. At present, the loans provided by P2P platform include both mortgage loans and pure credit loans.

Seven application methods of 5000 yuan ID card loan

ID card loan, as its name implies, is a simple and easy way to borrow money by holding a certificate that can prove the identity of the borrower. No mortgage, no guarantee, just based on the borrower's reputation, but the amount is generally small. Then, how to apply for an ID card loan of 5,000 yuan? The following are some ways for me to sort out the 5000 yuan ID card loan for your reference.

1, lightning loan

Lightning loan is an ID card loan that is very suitable for users with credit cards. Its maximum amount is 6,543,800 yuan. As long as the certification of lightning loan is completed, you can borrow 5000 yuan without any materials. The loan term is 30 days, and the handling fee rate is 1.5%-2%, which can be received in one minute at the earliest.

2. CCB Express Loan

The maximum amount of fast loan for CCB is 50,000, which is also an ID card loan. As long as they are CCB customers, they can apply for mortgage or deposit in CCB. China Construction Bank's fast loan 1 1,000 yuan, the annual interest rate is only 7.2%.

3. China Merchants Bank ID Card Loan

Among the bank ID card loans, China Merchants Bank's lightning loans are very good. The maximum loan amount is 500,000 yuan, and the daily interest rate is 0.42%. Moreover, it only takes a few simple steps, and the loan can be released at the fastest 1 minute. However, borrowers need to pay attention to the fact that the threshold for bank ID card loans is relatively high, which generally requires bank customers to apply.

4. Borrow ID card loans

Borrowing an ID card does not require mortgage guarantee, and the maximum amount is 300,000. Interest is calculated on a daily basis, and the daily interest rate is 0.02%-0.04%. As long as the sesame credit score reaches 600 points, you can apply for a loan quickly, and the loan can be released in 5 minutes at the earliest.

5. Borrowing money to spend ID card loans

Borrowing money for consumption provides short-term microfinance services for borrowers. When the borrower submits a loan application through the Lending Treasure APP, the system will conduct real-time credit verification, and the loan can be released quickly after verification. Provide credit loan 1-3 months, 2000-5288 yuan.

6.JD.COM gold bars

JD.COM gold bars are aimed at users with good credit in JD.COM, and the threshold is a bit high. The daily loan interest rate is 0.04%, the repayment period is flexible, and the loan is released within 1 hour.

7. Guangda Rong e loan

The interest rate is the benchmark interest rate starting from e-loan 1000 yuan. The current one-year loan interest rate is 4.35%. However, this kind of loan requires the customer to use the time deposit and national debt in his account as collateral, so the maximum amount of the loan is also related to the value of the pledge.

How to borrow 5000 quickly?

Everyone is in urgent need of money, and when they really can't borrow money, they can only choose loans. Then, is there any way to get a quick loan of 5000 yuan? Now, let's talk about it, let everyone borrow 5000 yuan quickly, and don't worry about not being able to borrow money.

return empty-handed

Pure credit loans, the better the borrower's credit, the lower the loan interest rate available, up to 200,000 yuan. The borrower is required to be at least 22 years old and have good personal credit. The real-name registration system has a mobile phone number, and the mobile phone number, ID card and bank card information are consistent.

short-term loan

For the loan products owned by Youhuahua, the borrower must be over 22 years old, which requires good personal credit. Small loans can be repaid in installments of 1, 3 and 6, and a certain service fee is charged according to the actual situation.

Zunxiangdai

The difference between a long-term large loan owned by Youhuahua and Iman loan is that prepayment is subject to penalty interest, and the amount is higher. Generally speaking, there is a few minutes to several hours of audit time, and there is a penalty of about 2% for early repayment, as long as the age is above 18 and the personal credit is good.

Manyidai

The biggest feature of the mobile phone loan platform that can be borrowed and repaid is that it supports early repayment, the interest is calculated on a daily basis, and there is no charge for the follow-up of early repayment. You must be 18-55 years old, a registered user, and have a stable job and good credit to apply.

spend money on minor purchases

Zhaolian Consumer Finance's small loan platform, the applicants are mainly young people. The loan amount is generally within 10000 yuan, and the number of installments 1, 3, 6 and other options. Office staff should be between the ages of 23 and 40, with full-time college education or above.

The introduction of fast loan 5000 and fast loan 5000 yuan ends here. I wonder if you found the information you need from it?