In fact, when handling personal loans, different banks or lending institutions should examine the loan applicants and ask them to provide relevant documents and materials. The following are the channels for individuals to obtain loans:
First, private lending.
In fact, when we are short of money, the first thing we think of is to borrow from friends and relatives around us, or to borrow from others through relationships. This is private lending. Although private lending is convenient, the specific matters are chaotic and the interest is high.
Second, banks.
Many people will consider bank loans when they are short of money. Banks are relatively formal financial institutions, and everything is step by step, which makes people feel more at ease. However, bank loans also have the disadvantages of cumbersome procedures and long approval time, so if you need money urgently, it is not recommended that you look for a bank.
Third, the loan company.
Because the credit business in the financial market is very hot, a large number of loan companies have emerged. The loan company broke the geographical restrictions and met the fast and convenient financing needs. Borrowers can find a satisfactory loan company according to their actual situation and make loans on the online lending platform. Compared with banks, loan companies have more convenient loan application procedures and faster payment.
Fourth, credit cards.
Of all the ways to raise funds quickly, credit card is the most convenient one. Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.
Verb (short for verb) pawnshop
Pawnshop, also known as pawnshop, is an informal marginal financial institution specially issued, and it is a market intermediary organization mainly based on currency lending and supplemented by commodity sales. For friends who have a house, a car, jewelry, a watch, antiques, digital products or other valuable or valuable collateral, you can consider pawnshops.
20 19 how to get the fastest loan? There are these channels to try!
It is getting harder and harder to borrow money now, and many platforms have tightened their quotas. Getting a loan requires stricter conditions. But don't be afraid, there are many channels to get loans in the market. It is always right to try more. Today, let's introduce how to get a loan quickly!
1, bank loan
In the past, people's ideas were that bank loans were slow in approval, slow in payment and troublesome in procedures. With the development of the times, banks now provide a lot of mobile phone loans, all of which are operated online. Basically, you can know the audit results on the same day, and you can get the account in a few minutes at the earliest, which is much lower than the interest of private loans and has been favored by many people.
Of course, some bank loan products still need strict examination and approval, and all kinds of materials must be submitted, so I suggest that you give priority to real estate mortgage loans, followed by consumer credit loans, and finally credit card installment.
2. Consumer finance
Many people don't know that consumer finance actually belongs to financial institutions. Every financial company has bank shares and is supervised by the China Banking Regulatory Commission. However, consumer financial complaints and negative news are gradually increasing, and the advantages are not so obvious, and the problems often cannot be solved.
Compared with banks, consumer finance companies have lower requirements for their own qualifications, easier access to loans and better services, but the interest is much higher, so they can choose.
3. Formal loan platform
There are many licensed loan companies on the Internet, which are relatively safe and reliable. For example, you can borrow money from me, Renren.com and Microfinance.com, and I can also borrow money. Most of these are P2P platforms, and the interest is relatively high.
What are the "quick loan methods" and what are their advantages and disadvantages?
Now people's life is very fast. Pay attention to speed no matter what you do. In life, everyone may be embarrassed to borrow money from relatives and friends when they are in urgent need of money, so borrowing money has become people's best choice. But many people simply don't know through what channels to apply for loans, and even many people don't know much about this knowledge, so they will always fall into the trap. Today, I will introduce you to the method of quick loan.
What are the quick loan methods?
Method 1: p2p platform or small loan company
Advantages and disadvantages: the advantage is that the threshold is low and the people who meet the conditions for applying for loans are relatively wide. However, the disadvantage is that p2p platforms and small loan companies are mixed. Most of the platform loan interest rates are very high, and some even have an annual interest rate of more than 20%, which may be accompanied by various miscellaneous fees. The borrowing cost is too high for the borrower.
Method 2: Policy loan
Advantages and disadvantages: it is simple to handle, and the speed of receipt is relatively fast. Applying for a loan does not affect the function of the policy. But the disadvantage is that the loan time is short, usually about 6 months, which is only suitable for short-term turnover.
Method 3: credit card cash installment
Advantages and disadvantages: credit card cash installment funds can be received immediately, the review is simple and the processing is very fast; But the disadvantage is that the loan amount is limited by the available credit card amount, and the repayment interest is relatively high. The general annual interest rate is around 18%, and the loan cost is high. There are restrictions on prepayment, so prepayment is not accepted or can be repaid in advance, but high handling fees and interest are required.
Method 4: Internet small loan
Advantages and disadvantages: The advantage of Internet small loan is that it may be the fastest loan product. However, the disadvantage is that the interest rate is high, all products are invited by white list, and there is no way to manually open the quota.
Method 5: Bank quick loan products
Advantages and disadvantages: the threshold of fast loan products of banks is relatively high, and only high-quality customers can apply for loans. Some people with defective qualifications may be blocked from lending, but the strength of bank loan products has crushed many small loan products in the loan interest rate.
Through the introduction of these contents, we can learn what quick loan methods are available. These loan methods introduced above are relatively safe and very fast, so you can choose with confidence, but you must pay attention to whether you really need them before applying, and don't make a decision blindly.
How to get the fastest loan?
What are the requirements for online lending in 2022?
1. Kouzi Cat
Kouzi Cat is one of the necessary loans for online lending in 2022, and it is also a new online lending app that has just been launched recently. Friendly to new users, I don't look at credit information and big data before borrowing, but I am releasing water these days, ignoring the situation that black and white households have the next payment. The maximum loan amount available to users is 50,000 yuan, and the down payment is basically around 5,000 yuan. The service period is 3-65,438+02 months, so it is adopted.
2. Extreme wind classification
Extreme wind staging is a direct loan without checking credit information opened in 2022. Although it is an old-fashioned online loan, the recent lending rate has been relatively high. When you apply, you don't check the credit and don't check the liabilities. This is also one of the online loans passed in 2022 without checking the credit. The maximum loan amount that can be provided to users is 654.38 million yuan, and the service period is 1- 12 months.
3. Gome Easy Card
Gome e-card is a compulsory online loan slot 2022, which I believe everyone is familiar with. It has been online for a long time, but the loan ratio is still relatively high. When applying, it is to check the credit information, but the requirements for credit information are not strict. Recently, many debt-ridden small partners have successfully borrowed money for credit information, which is also commonly known as the online loan slot for applying for compulsory loans. The maximum loan amount available to users is 200,000 yuan, and the first loan is generally less than 50,000 yuan.
4. Xiaoyu is exempt from trial
No fish trial is an online loan platform, and the next payment can still be made in 2022. It is the same series of online loan products as Pocket Flower and koi fish Seconds. When applying, you don't look at the credit information, and the requirements for user big data and comprehensive scoring are relatively low. It can be said that it is an online lending platform that ignores all applications. The maximum loan amount available to users is 50,000 yuan, and the next payment amount is generally around 5,000 yuan. Service life is 3- 10.
5. Extreme financing loans
Extreme financing loan is a sub-product of your loan in 2022. You and I can borrow money at the same time. It's relatively easy to borrow money in the near future, and you don't have to look at the credit information when applying. It was also called "2022", which made the loan black and white. The maximum loan amount available to users is 30,000 yuan, the actual loan amount is basically around 3,000-5,000 yuan, and the service life is 654,300 yuan.