The formal lending platform has a relatively low interest rate.
1, the degree is small and complete.
Its rich flowers
2. Microfinance under Weizhong Bank
3. Borrow from Ant Financial
In terms of interest rates, there is almost no difference between money, loans and small loans, and the daily interest rates are almost the same.
In the range of 0.02%~0.05% (annualized interest rate is 7.2%- 18%, annualized interest rate = daily interest rate ×360), the interest rate is low, and the interest is calculated on a daily basis, which supports borrowing and returning. But be careful not to be overdue, otherwise it will not only leave a stain on the credit record, but also have a high penalty interest of 1.5 times.
How to apply:
Have money to spend
You can download Xiaoman APP from official website and click Money to apply online. After the money is approved, you can receive the money in three minutes at the earliest. The better the credit, the higher the pass rate.
Applicants must be 18-55 years old, and they need to provide their second-generation ID card and debit card when applying. However, it should be noted that if you have money to spend, you will not provide loans for students to spend in installments.
petty loan
Micro-loans can only be opened by invitation. Micro-loans adopt the invitation system, requiring users to be heavy users of WeChat and QQ. It will be easier to open a Tenpay account, bind a credit card and open a micro-loan. Users who have not yet opened need to use WeChat to pay more while maintaining good credit habits.
You can enter WeChat, click "I" at the bottom of the interface, then click "Wallet" in the input option list, select the "micro-loan borrowing" option, and click Open.
borrow
Like small loans, the opening of loans also requires invitations.
Invited users can search for loans in Alipay and enter the loan interface to check their own quotas and interest rates. Uninvited users can't see the loan amount and interest rate. And borrow the real-name registration system and associate it with Sesame Credit. The more perfect the personal information, the higher the sesame credit score. When the sesame credit score exceeds 600 points, the bigger your Alipay, the more deposits you have in Yu 'ebao, and the greater the possibility of opening it.
Maximum loan time:
Spending time: 24 months
Microfinance: 20 months
Borrowing: 12 months
Get credit information:
Money spent: connection
petty loan
: Connected
Excuse me: connection.
Is there a grace period:
Spending time: 3 days
Microfinance: 3 days
Excuse me: there is no grace period.
There is a three-day grace period for rich flowers and micro-loans, which means that the repayment within the grace period is not overdue. There is no grace period for borrowing, so you must remember to repay on time on the repayment date, otherwise there will be credit stains.
Penalty interest for overdue repayment:
Spending money: interest rate 1.5 times overdue fee.
Micro-loan: interest rate 1.5 times overdue fee.
Borrow: interest rate 1.5 times overdue fee.
Prepayment fee:
Spend money: there is no handling fee
Small loan: no handling fee.
Borrow it: no handling fee.
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Which loan platforms have the lowest interest rates?
Minimum suggestions for platform benefits:
1. Microfinance: Microfinance is the first Internet microfinance product of Tencent Weizhong Bank, with a loan amount of 200,000-200,000, a daily interest rate of 0.05% and an annualized interest rate of about 18%.
2. Borrowing: Borrowing is a loan launched by Alipay, as long as the sesame score is above 600. According to different scores, the loan amount that users can apply for ranges from 1000-50000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
The amount of money spent on loans ranges from 500 yuan to 200,000 yuan, with an annualized interest rate of 7.2%, 6,543.8+0,000 yuan, and the interest from 2 yuan is 654.38+0 days. Long loan period, daily repayment, daily interest, no mortgage, pure credit, full online application for ID card and bank card, the fastest approval in 30 seconds, 654.38+0 minutes to the account.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Use Baidu's artificial intelligence and big data risk control technology to encrypt, monitor and protect personal information. Every loan must verify the password and other verification items, and it can only be lent to the bank card in the lender's own name, so you can use it with confidence.
3. Qianhua: Qianhua is a small loan product under Baidu Finance. Users can find it by searching for "money" in the mobile app store. After downloading, users will find that there are many loan products that can be used with money, such as short-term loans with low thresholds, with a minimum daily interest rate of 0.02%.
4.E-point loan: E-point loan is a micro-credit under Yin Bei Consumer Finance. At present, the maximum credit line users can apply for is 50,000 yuan, and the minimum loan is 1000 yuan. The minimum annual interest rate of e-point loan is 10.8%, which is purely online application and the amount can be recovered. After the user submits the loan application, the loan can be completed in 5 minutes at the earliest.
5。 China Merchants Bank lightning loan: Lightning loan is a mobile phone loan software launched by China Merchants Bank. For high-quality customers of China Merchants Bank with one card, the quota is 0 0. 1-50/-500,000, and the daily interest rate is 0.042%.
Among them, the daily interest of micro-loans, loan treasures and China Merchants Bank lightning loans is less than five ten thousandths! If you need to apply for a loan, you can first check whether you want to charge any fees, and then measure which loan platform is more in line with your requirements.
Which platform has the lowest and most reliable loan interest?
The following platforms have low interest rates and are more reliable:
1, money to spend: a well-known lending platform, not many degrees, you may not know! But you must know Baidu, so I won't say much here! Formerly called "Baidu has money to spend", the existence of T 1 team level is reliable!
2. Paipai Loan: the first P2P peer-to-peer lending platform in China and a personal credit online lending platform. At present, China Merchants Bank provides a fund depository system for auction loans. The purpose of its establishment is to provide a safer and more efficient platform to make the lending behavior between individuals more standardized, safe and effective.
3. Borrowing: As long as the sesame credit score is above 600, you can apply for the loan service launched by Alipay.
4. Micro-loan: In addition to Alipay's ant loan, the most recommended is micro-loan, which is very suitable for young people now, because it has brought convenience to hundreds of millions of people through the most commonly used WeChat official account.
5, 360 loan: backed by Qihoo 360, it has a high reputation. Security itself is to do network information security. In terms of big data, there are also many precipitates.
This concludes the introduction of which platform has the lowest loan interest rate and which platform has the lowest loan interest rate. I wonder if you have found the information you need?