There are three kinds of loan channels in the market, one is bank loan, the other is private lending, and the other is some special loans. For many borrowers, compared with bank loans and special loans, there are more opportunities to contact private lending in daily life. What platforms are there for large loans? These five platforms can meet everyone's needs!
What platforms are there for large loans?
1, Zhongyuan Consumer Finance
Zhongyuan Consumer Finance is a national licensed lending institution approved by China Banking and Insurance Regulatory Commission. Users can apply for loans in Zhongyuan Consumer Finance, with a minimum loan of 1 1,000 yuan and a maximum loan amount of 200,000 yuan. At present, the Central Plains consumer finance does not require high user qualifications. After the user's loan application is approved, the loan can be completed in 5 minutes at the earliest.
2.JD.COM gold bars
Gold bars are small loan products under Jingdong Finance. JD.COM users can apply directly on the page of JD.COM Mall-Personal Center. Gold bars do not require high qualifications for users, and users can apply for a credit line of up to 200,000 yuan.
Step 3 borrow flowers
Borrowing flowers is a loan platform under Ctrip, and the lenders are mostly third-party financial companies or banks. At present, the maximum credit line that can be provided to users by borrowing flowers is 200,000 yuan, and the minimum is from 500 yuan. Users can choose 36 repayment periods when applying for a loan, that is, three years. After the user's loan application is approved, the loan can be released in 2 minutes at the earliest.
4. Recruit good loans
Zhaolian Good Term Loan is a micro-credit product of Zhaolian Consumer Finance Company. At present, the maximum credit line that can be granted to users is 200,000, and the minimum loan starts from 500 yuan. Recruiting a good term loan to cooperate with WeChat platform, users can apply for a loan directly in WeChat official account, which is convenient and fast.
5. All-Easy Loan
Iman Loan is a personal micro-credit product under the banner of Baidu Huahua, which supports repayment with the loan and daily interest. If the user repays the loan in advance, Iman Loan will not charge interest. Users who want to apply for an all-easy loan, in addition to WeChat, also need to be registered users of Baidu, at least 18 years old.
The above is the sharing of "what platforms are there for large loans", and I hope it will help everyone!
What are the online lending platforms? All three institutions can borrow money.
With the introduction of internet technology, all walks of life have undergone rapid changes, and the loan industry is no exception. Now all lending institutions have moved their business online, and all applications, audits and loans can be completed online, which is much more convenient than the traditional handling methods. So what are the online lending platforms? Next, I will introduce them to you one by one.
Nationalized bank
I. China Construction Bank
CCB's online loan business is a series of fast loan products, which can be regarded as a well-known bank online loan. Fast loan 1 * * includes five products: fast e-loan, financing e-loan, pledge loan, car e-loan and wo e-loan. The loan target is customers who have done business in CCB, so you must have at least a deposit in CCB before you can apply.
Two. Industrial and Commercial Bank of China
ICBC, known as "the first bank in the universe", naturally has online lending channels. Online loans can be made through online banking and mobile banking, including e-loans, personal credit loans, online loans and other products.
Third, China Merchants Bank.
Similarly, through online banking and mobile banking, China Merchants Bank also has its own online loan product "lightning loan". Judging from the name, the next payment of lightning loan will be very fast. Official website said that the review will take 5- 10 minutes, and it will arrive in seconds after passing.
private bank
I. Ping An Bank
Ping An Bank provides many products, such as small loans, quick loans, credit loans, mortgage loans and so on. As long as your credit is good enough, whatever financial problems you have can basically be solved here. The speed of lending is also unknown, but the interest rate will be slightly higher than other banks.
Second, Weizhong Bank.
Everyone should know that Weizhong Bank is an Internet bank owned by Tencent, and micro-loan is Weizhong Bank. In addition, there are products such as micro-loans and micro-car loans, which individuals and enterprises can apply for. The quota is still high and the review is fast.
Online loan platform
First, pat the loan.
Paipai Loan is a popular online lending platform for users. The application materials are simple, the actual loan amount is high, the repayment period is long and the payment speed is fast, so there is no reason to refuse. Of course, interest rates should not be compared with banks. In addition, it should be noted that applications below 2 1 are not allowed.
Second, pleasant loans.
Pleasant loan has four modes: provident fund mode, elite mode, extreme speed mode and life insurance mode, with a quota as high as 200,000. The latter three modes can only be applied in Pleasant Loan APP. Always pay quickly next time, and you will receive it in 30 minutes.
Third, 5 1 character
5 1, character loan depends entirely on your character. The higher the character value, the higher the amount. Is this model very creative? The system will evaluate your personality value according to your social value. Binding a salary card or a credit card can improve your personality value and complete your personality value task.
Comments: The above three types of online lending platforms all have the characteristics of independent application, system audit and fast lending, but each has different advantages. State-owned banks have high quotas and the lowest interest rates, but the application conditions are also the most stringent; The loan products of private banks are richer than those of state-owned banks, with relatively higher interest rates and good quotas; Online lending platforms have more choices and greater flexibility, but the cost is not low. In addition to interest, a certain service fee may be charged.
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What are the lending institutions?
With the development of economy, people's material life is getting richer and richer, and the requirements for quality of life are getting higher and higher. Demand for consumer loans such as buying a house, buying a car and traveling is also increasing. So what are the current lending institutions?
1, bank. Commercial banks, commercial banks generally only do short-term lending business. The loan term shall not exceed one year; Rural banks mainly provide financial services for local farmers, agriculture and rural economic development; Policy banks generally offer preferential treatment in terms of loan scale, term and interest rate.
2. Theme financial companies. Auto financing company, a non-bank financial institution that provides financial services for car buyers and consumers; Consumer finance companies are non-bank financial institutions that provide loans to individuals for the purpose of consumption.
3. Private lending institutions. Small loan companies, which do not absorb public deposits, enjoy independent legal person property and bear civil liability for debts with all their property; Pawnshops, commonly known as pawn shops, are informal marginal financial institutions that issue pledged loans.
4. Non-bank financial institutions. Loan company, a limited liability company fully funded by domestic commercial banks or rural cooperative banks; Insurance companies, loans provided by insurance companies to enterprises; Finance companies are mostly subsidiaries of commercial banks, mainly absorbing deposits and then issuing loans; Trust company is a financial product with variable interest, which is generally affected by the capital demand of investment projects.
The above is an introduction to the relevant contents of lending institutions. No matter what kind of lending institution you choose, you must carefully compare and choose the one that suits you better.