What are the top ten loan apps? Take a look at these ten
To say that the most convenient way to get a loan now is to apply directly through the mobile app. After all, the mobile phone is carried with you. When it comes time to use money, it is impossible to find the time to go to the bank. , or get a computer to apply, but there are many mobile loan apps. How to quickly find the right app to apply? The following is a list of the top ten loan app platforms for your reference.
Top ten loan apps
1. WeChat Weilidai
WeChat can be said to be a must-have common app for mobile phones. Go directly to my-services / payment page, you can apply for Microloan to borrow money, which can be borrowed and repaid 724 hours a day. Interest is calculated on a daily basis, and the daily interest rate range is 0.02-0.05.
2. Borrow with Alipay
The cash loan product on Alipay can borrow up to 200,000, with interest calculated on a daily basis. The daily interest rate is generally between 0.015-0.06, and supports equal amounts of principal and interest. and repay principal with interest first.
3. Du Xiaoman Youqianhua
You can download Duxiaoman or Youqianhua app to apply. The credit limit ranges from 500 yuan to 200,000 yuan, and the annualized interest rate Starting from the lowest, you can borrow money on the same day and pay it back the next day, with interest calculated on a daily basis.
4. Jingdong Gold Bars
The loan app is Jingdong Financial App. Generally, users with good Jingdong consumption records and good credit reports can apply. The maximum loan can be 200,000, and the annual interest rate is as low as 9.1, the interest rate for borrowing 1,000 yuan for one day is as low as 0.25 yuan.
5. 360 IOU
The leading domestic loan platform, the loan amount ranges from 5 million to 200,000 yuan, and the daily interest for borrowing 1,000 yuan for 1 year is as low as 1.2 cents, and the annualized Comprehensive interest rates start as low as 7.2, and you can choose to repay in installments up to 24 months.
6. Fenqile
Lexin Group’s regular consumption installment platform, the loan app is the product name Fenqile, the maximum loan amount is 200,000, the lowest daily interest rate starts at 0.03, the longest The installment is 36 months.
7. An Yihua
The revolving credit loan product of Immediate Consumer Finance, the annual interest rate starts from the lowest 7.2, and the maximum loan can be 200,000. The fastest is 30 seconds for approval and 1 minute for disbursement. , can be repaid in up to 24 installments.
8. China Merchants Union Good Futures Loan
The products of China Merchants Union Consumer Finance jointly established by China Merchants Bank and China Unicom *** can be directly downloaded from the China Merchants Union Finance app and available 724 hours a day The maximum loan amount is RMB 200,000 and the maximum loan period is 36 months.
9. China Post Revolving Loan
The name of the loan app is China Post Wallet, the loan amount is 1,000 yuan-200,000 yuan, and the annualized interest rate pricing range is 14.04-23.76 (simple interest Calculation method), interest is calculated on a daily basis, and the quota can be used repeatedly.
10. ICBC e-Loan
ICBC customers can apply directly with ICBC mobile banking, 724-hour online service, no mortgage, no guarantee, pure credit, the maximum loan limit is 80 Ten thousand yuan, the minimum annual interest rate is LPR0.5, updated monthly.
The above is the relevant content about the "Top Ten Loan Apps Ranking", in no particular order, I hope it will be helpful to everyone.
Loan products of major banks
Introduction to the loan products of the top ten banks:
1. Industrial and Commercial Bank of China
Product name: Rong E Borrowing
Interest rate: annualized is around 7.2, and can be even lower when encountering preferential activities.
Limit: 600-800,000, basically equal to the credit card limit.
Term: Generally 2 years, maximum 5 years. Four repayment methods are supported: equal principal and interest, equal principal, one-time principal payment with scheduled interest, and one-time principal and interest payment, and early repayment is supported.
2. China Construction Bank
Product name: Quick e-loan
Interest rate: annualized around 6.
Quota: up to 300,000.
Term: 1 year. One-time repayment of principal and interest.
Evaluation: You must have business dealings with China Construction Bank before you can get a limit, such as housing loan, financial management, provident fund, etc.
3. Agricultural Bank of China
Product name: Wangjie Loan
Interest rate: annualized around 5.
Quota: up to 300,000.
Term: 1 year. One-time repayment of principal and interest.
Evaluation: The application threshold is relatively high, but there are also opportunities to provide quotas. Friends who have business dealings with Agricultural Bank of China can try it.
4. Shanghai Pudong Development Bank
Product name: Diandai
Interest rate: annualized 6.3.
Quota: up to 300,000.
Term: 5 years. For those with more than 1 year, you can only choose the repayment method of equal installments of principal every month or equal installments of principal and interest this month.
Evaluation: But you need to have provident fund to get a loan, and not all cities are open to it.
5. Bank of China
Product name: E loan
Interest rate: annualized around 6.
Quota: up to 300,000.
Term: 1 year. Interest is paid monthly and the principal is repaid upon maturity.
Evaluation: A popular product of state-owned banks, the application threshold is high.
6. China CITIC Bank
Product name: Dream Dream Gold
Interest rate: annualized 9.
Quota: up to 300,000.
Term: up to 3 years. Repay monthly, equal principal and interest.
Evaluation: The threshold is not high. You can basically apply for a credit card from CITIC Bank, but some of it will occupy the credit card limit.
7. China CITIC Bank
Product name: New Express
Interest rate: The normal annual rate is around 9, and it drops to around 6.8 during promotions.
Quota: up to 300,000.
Term: up to 3 years. Repay monthly, equal principal and interest.
Reviews: Some of them will occupy your credit card limit.
8. Everbright Bank
Product name: Provident Fund Loan
Interest rate: annualized around 6.
Quota: up to 300,000.
Term: up to 3 years. There are two repayment methods: equal principal and interest, and monthly interest repayment.
Evaluation: Provident fund is required, but not all cities are open to it.
9. Postal Bank
Product name: Postal Banking Loan
Interest rate: annualized around 14.
Quota: up to 200,000.
Term: up to 2 years. Equal principal and interest.
10. China Merchants Bank
Product name: E Merchants Loan
Interest rate: annualized around RMB 18, with daily interest rate of RMB 50,000.
Quota: up to 300,000. The amount is non-recyclable.
Term: up to 2 years. Equal principal and interest.
What are the platforms with good reputation? These five are on the list!
Which online loan is more formal?
Inventory of 10 formal online loan platforms:
1. 360 IOU
360 IOU is a credit technology service brand under 360 Digital, with a maximum loan limit of 20 million, which can be divided into up to 24 installments. The loan application conditions are as follows:
1) Aged between 18 and 55 years old;
2) Hold a mainland Chinese resident identity document;
3) Refuse to provide consumer installment loans to college students.
2. Anyihua
Anyihua is a revolving consumer loan product launched by MaMa Consumer Finance. It provides a maximum loan limit of 200,000 and a maximum term of 36 periods. The loan application conditions are as follows:
1) Aged between 18 and 55 years old and a resident of mainland China;
2) Have a good credit record and a certain ability to repay ;
3) Complete the real-name authentication of An Yihua and provide your ID card and bank card during the application process.
I have used several products for my business turnover before. In fact, each small loan platform has an internal application entrance, with low interest rates, easy disbursement, and high credit limits! Share it with those in need, scan the QR code below to enter!
3. China Merchants Union Good Futures Loan
China Merchants Union Goods Futures Loan is an Internet online personal consumption loan product launched by China Merchants Union Consumer Finance. It can be obtained with personal credit alone. The maximum amount is 200,000, with a maximum loan period of 36 months. The loan application conditions are as follows:
1) Aged between 18 and 55 years old;
2) Have a stable job and income Source (preferably a mortgage, car loan or credit card);
3) Good personal credit record;
4) Provide personal information such as mobile phone number and ID number.
4. Du Xiaoman
Du Xiaoman, formerly known as Baidu Finance, has a credit service brand: Youqianhua. The maximum loan amount provided is 200,000. The loan application conditions are as follows:
1) Aged between 18 and 55 years old;
2) Provide second-generation ID card and personal debit card Personal information such as credit cards
3) Refuse to provide consumer installment loans to college students.
5. Fenqile
Fenqile is a financial service platform under Lexin that provides personal consumer credit and scenario installment services. The maximum loan limit is 200,000 and the maximum loan period is 36 installments. , the loan application conditions are as follows:
1) Be 18 years or older and a resident of mainland China;
2) Have a stable job and income, and have the ability to repay principal and interest on time;
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3) Personal credit is good, and there is no record of late repayment of credit cards or loans.
6. Home Credit
Home Credit is one of the first four pilot consumer finance companies approved by the China Banking Regulatory Commission. It provides consumer loans and commodity installments with a maximum loan limit of 200,000. The maximum term is 24 periods, and the loan application conditions are as follows:
1) Aged between 18 and 55 years old;
2) Hold a valid resident ID card from mainland China;
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3) Work continuously in the current position for more than one month;
4) Provide personal information such as ID card and bank card.
7. Meituan borrowing money
Meituan borrowing money is a service provided by Meituan Finance for Meituan merchants and consumers. The maximum loan limit is 300,000, and the maximum loan amount can be divided into 36 The loan application conditions are as follows:
1) Aged between 20 and 55 years old;
2) Real-name registration in Meituan Pingcheng.
8. JD Gold Bar
JD Gold Bar is a product of JD Finance. It can support a maximum withdrawal amount of 200,000 and can be repaid in up to 12 installments. The loan application conditions are as follows ：
1) Aged 18 years or above (inclusive) and a resident of mainland China;
2) The account has completed real-name authentication, is in normal status, and has not been appealed;
3) Bind the real-name mainland mobile phone number and the savings card in your name.
9. Ant Borrowing
Ant Borrowing is a loan service launched by Alipay. It provides loan amounts ranging from 1,000 to 300,000 according to different Zhima scores. The long repayment period is 12 months, and the loan application conditions are as follows:
1) Over 18 years old and an individual mainland user;
2) The account has completed real-name authentication and bound a mobile phone number and debit card;
3) The account status is normal and has not been appealed;
4) Zhima credit score reaches 600 points and above.
10. Today's Toutiao Trusted Borrowing
Today's Toutiao Trusted Borrowing is a loan product launched by Toutiao in conjunction with Bank of China Consumer Finance, Bank of Nanjing, Xinwang Bank and other financial institutions. The maximum loan limit is 200,000. The maximum term of the loan is 12 periods, and the loan application conditions are as follows:
1) Be 18 years old (inclusive) or above;
2) Be a resident of mainland China (non-school student);
3) Provide a real-name and currently used mobile phone number (used for more than half a year).
The top five most reliable loan platforms
The top five most reliable loan platforms:
1. Have money to spend: Have money to spend A credit service product under Baidu has always had a good reputation and its lending speed is relatively fast. It can meet your daily borrowing needs. You can borrow whenever you want, which is very convenient. The maximum amount is 200,000 yuan, and the average daily interest for borrowing 10,000 yuan for one year starts at 1.1 yuan. The better your credit, the lower the interest rate.
2. Jiebei: Jiebei is a pure credit loan product launched by Alibaba's Alipay. It is issued based on the consumption situation and repayment ability of Alipay users. Ordinary users can only have a Zhima score of 600 or above. The opportunity application is open. According to the Sesame score, the loan amount is 100,000-300,000, the minimum daily interest rate is 0.02, the loan period is 12 periods, and it supports borrowing and repaying at any time. It has always been a conscientious loan platform.
3. Huanbei: Shanghai Shuhe Information Technology was established in 2015 and launched Huanbei products in 2016. The major shareholder is Focus Media listed company (stock code: 002027). The shareholders include: Focus Media, Sequoia Capital, Cinda Investment, Noah Wealth, Sina, etc.
4. Weilidai: WeBank is the first Internet bank under Tencent. Its products include Weilidai, Weikedai, etc., and is committed to providing fast financial services to small businesses and individual consumer groups.
5. Paipaidai: Founded in 2007, Paipaidai is a p2p financial platform listed on the New York Stock Exchange. Paipaidai products are mainly divided into individual bids and rainbow bids. Currently, it provides users with credit loans with a maximum loan amount of 200,000, and the monthly loan interest rate is around 1. Users can choose suitable loan products based on their needs.
The naming of housing mortgage loan products
The naming is as follows:
The first type is the guarantee type, such as "patent rights mortgage loan", "forest rights mortgage loan" ", "Small Credit Loans";
The second category is customer conditional, such as "Jinlingdai", "Blue Collar", "Maker Loan";
The third category Category refers to the type of loan purpose, such as "pension loan", "housing mortgage loan" and "renovation loan". Although a bank may have more than a dozen or even dozens of loan products, they can generally be divided into the above three types.