1. Micro-loan: Micro-loan is the first Internet micro-credit 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. Lending: Lending 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.
3. Money flower: Money flower is a small loan product under Baidu Finance. Users can search for "money flower" in the mobile app store to find it. After downloading, users will find that there are many loan products that can be used for money, such as short-term loans with low thresholds, and the lowest daily interest rate is 0.02%.
4.E-point loan: E-point loan is a micro-credit under Yin Bei Consumer Finance. At present, the maximum credit line that users can apply for is 50,000 yuan, and the minimum loan is 1 10,000 yuan. The minimum annual interest rate of e-point loan is 10.8%, which is purely online application and the quota can be recycled. After the user submits the loan application, the loan can be completed in 5 minutes at the earliest.
5。 China Merchants Bank's lightning loan: Lightning loan is a mobile phone loan software launched by China Merchants Bank. For high-quality customers of China Merchants Bank, 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, borrowing loans 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 there is any charge, and then measure which loan platform is more in line with your requirements.
How to solve the small loans overdue?
If the loans overdue is small, the customer is advised to contact the customer service staff of the lending institution to negotiate, indicating that there is no repayment ability at present. It is best to provide some proof materials to show the willingness to repay actively, and then try to apply for an extension of the repayment period and repay the arrears in installments.
Lending institutions will consider the situation of customers, and if they are finally allowed, they will naturally discuss new repayment plans with customers. After that, customers only need to repay in installments on time according to the new repayment plan.
However, we also need to note that if some loan platforms are not very formal and deliberately charge high interest or various unreasonable fees, customers can choose not to repay the fees beyond a reasonable range, or they can collect relevant evidence and report it to the local CBRC or Internet Finance Association to safeguard their legitimate rights and interests.
Of course, customers should pay more attention before borrowing, and it is best to avoid lending institutions/platforms that have not been approved by the CBRC and have no financial license.
Repayment method:
1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. In this way, the monthly repayment amount is the same;
2. Matching principal repayment: a repayment method in which the borrower repays the loan in installments (months) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal [loans with a term of less than one year (including one year)] in one lump sum on the loan maturity date, and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, in which the repayment amount and repayment period change, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.
5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the loan bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
6. Pay back as you borrow: interest after borrowing is calculated on a daily basis, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without paying a fine.