Don't always think that the loan threshold must be very low when you see the advertisements of the loan platform, but it is not. The threshold of many loan platforms is still very high, and the threshold of some small institutions is relatively low, but it is not necessarily reliable. So which loan platforms are good for the next repayment? I summed up five things for you!
1, small lightning loan
Small lightning loan is a loan search information service platform, which is dedicated to providing financial loan product search and loan recommendation services for office workers and small and medium-sized enterprises. The business covers lending services such as fast loans, large loans and credit card loans. Users can borrow money through mobile phones to solve the problem of borrowing money for all kinds of users.
2. Lightning loan
Lightning loan APP is a pure online loan search engine, which provides professional loan search price comparison service for borrowers and helps borrowers complete loans at low cost without leaving home. There are many kinds of loan products for lightning loan, and the monthly interest rate is as low as 0.5%, so there is no pressure for monthly repayment. The maximum loan amount can reach 500,000, with a wide range of choices, fast loan release, fast approval, and second loan after approval.
3. Sesame money
A penny of sesame seeds can provide borrowers with loans of 500-6000 yuan, with a minimum of 1 week and a maximum of 3 months. As long as the sesame score reaches more than 600, black households can quickly get a loan of 5,000 yuan.
4. excuse me.
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.
5. pat on the loan.
On the loan auction platform, the minimum loan is 1 1,000 yuan and the maximum loan is 500,000 yuan. The repayment period ranges from 1 month to 24 months. The average loan period is 7.49 months, of which loans below 1 year account for 98.9%.
In addition to the five I listed above, there are actually some loan platforms that are also good for making loans, but the space is limited, so I only listed five, and I believe these five should be enough for everyone. Even if the credit information is not good, the above five loan platforms can make payment as long as they meet the application conditions.
What kind of loan is good to borrow and repay?
Loans are divided into the following five types
1, credit loan
Credit loan is the most popular loan method at present. Borrowers only need to provide ID cards, work certificates, income certificates, loan purposes and other certificates, and their personal credit status is good to obtain loans.
2. Mortgage loan
Mortgage loans often have low loan interest rates, so the repayment pressure is relatively small for borrowers, and both houses and vehicles can be mortgaged.
3. Risk loans
At present, the state has support policies for entrepreneurship, and common loans include loan subsidies and interest-free loans.
4. Personal commercial loans
To apply for a personal business loan, you need to have full capacity for civil conduct, a local hukou, a local fixed business place and a stable income. And it is necessary to provide legal collateral.
5. Student loan
There are four main forms of student loans, namely, national student loans, student-origin credit student loans, interest-free loans provided by colleges and universities to students with state financial funds, and commercial student loans. Student loans do not need guarantees and mortgages. Borrowing students can apply to the bank through the school and repay in installments after graduation.
Common types of bank loans
Like us, we usually go to the bank to apply for loans, mainly for credit loans, mortgage loans, mortgage commercial loans, provident fund loans, secured loans, policy loans and so on.
Among them, credit loan refers to a loan that the borrower does not provide guarantee, but is issued with the credit of the payer;
Mortgage loan is a kind of loan issued by the borrower to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity;
Mortgage commercial loan is a kind of mortgage loan, which generally refers to housing mortgage loan, that is, the mortgage of the purchased house and the loan provided by the developer on a regular basis;
Provident fund loans are loans that employees who pay housing provident fund can enjoy;
A secured loan is a loan granted on the condition that a third party provides the corresponding guarantee for the borrower;
Policy loans are loans secured by the cash value of life insurance policies.
What loan is the easiest to get?
It is recommended to choose formal channels to handle loans, such as bank channels and formal online lending platforms. There are many loans that are easy to borrow, such as money, ant loans, small loans, JD.COM gold bars, etc., but it depends on the borrower's qualifications and credit information.
Have money to spend
Baidu credit service brand can meet the capital demand of daily consumption turnover. Pure online application, no mortgage, simple application materials, the fastest 30 seconds for approval, the fastest three minutes for lending, and the highest 200,000. A number of product lines have been laid out, including "Money Spend-All Easy Loan", "Money Spend-Enjoy Loan" and "Money Spend-Short Term Loan". The scene has covered daily consumption, medical beauty, education, renting, mortgage and so on. , and can be accurately matched according to the user's loan demand, providing users with reliable credit services.
Ant, please.
Ant borrowing is a loan service launched by Alipay. At present, the application threshold is sesame score of 600 or above. According to different scores, the loan amount that users can apply for ranges from1000-300,000 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.
petty loan
"Micro-loan" is a pure online personal micro-credit revolving consumer loan product launched by Tencent Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September. "Micro-loan" adopts the user invitation system. At present, invited users can see the entrance of "micro-loan" in QQ wallet of mobile phone QQ and WeChat wallet of WeChat, and can get a loan amount of up to 300,000 yuan.
JD.COM gold bars
JD.COM Gold Bar is a cash lending service tailored for users with good credit. JD.COM gold bar is a credit loan product. Whether it can be opened depends on the comprehensive evaluation of the system. At present, active application for opening is not supported. If the page shows "Can't provide service for you" after clicking on the gold bar entrance, it means that the gold bar cannot be opened for the time being.
Which loan platform is easier to pass?
The borrowing platform is relatively easy to pass:
1, Meituan borrows money: Meituan credit loan, Meituan big data is good, and personal credit conditions are good, making it easier to borrow money. From the annualized interest rate of 7.2%, differentiated pricing will be implemented. Everyone's loan interest rate will be different. The final loan result is subject to the system evaluation.
2. Doudou Money: Pure credit loan does not need mortgage guarantee, the borrower meets the basic loan conditions, has no bad credit record, has a high account activity, can try to borrow, and has stable repayment ability. The system automatically approves the loan, and the result can be obtained in a few minutes.
3. Financing e-loan: ICBC credit loan with a maximum amount of 500,000, which can only be applied by ICBC customers. If ICBC mortgage or credit card customers have a good loan repayment record and have bought wealth management products in the bank, the loan will be easier to pass, and the loan interest rate of 202 1 is still good.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
To spend money (member-only channel), click online measurement.
Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Staging music can be borrowed up to 50 thousand!
Click online measurement
What bank loan is good?
Hello, ICBC.
1, Industrial and Commercial Bank of China
ICBC's personal comprehensive consumption loan has a wide range of consumption purposes, a high loan amount and a long loan period.
2. China Merchants Bank
Credit loans of China Merchants Bank can be issued by stages according to customers' needs, and the sum of each loan amount does not exceed the approved loan amount. Each loan has the same loan term and repayment method.
3. China Construction Bank
CCB has a high loan amount, a wide range of consumer uses and a low loan interest rate. The fast e-loan launched by CCB has an interest rate of around 7.6%.
4. Industrial Bank
The longest credit period of the comprehensive personal consumption line of Industrial Bank can reach 10 year. During the credit period, the line is reused, and the used line can be recovered after the loan is repaid.
Extended data
Matters needing attention in loan are as follows:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
9. When foreigners apply for commercial loans, banks generally require borrowers to have stable income in the local area, but also to open household registration certificates (some banks also require employment certificates), while housing guarantee companies require foreigners to apply for temporary residence permits in addition to local income.