1. Which loan platform is the most formal and reliable?

Which formal loan platform is the best: 1. 360 IOU 360 IOU is a credit platform under 360 Finance. It has been online for more than four years and provides many users with instant consumer loans. The loan period of 360 IOUs is relatively flexible and can be repaid in 3, 6 or 12 installments. Interest is calculated on a daily basis, with the lowest daily interest rate starting at 0.027%. The application materials are very simple. You only need your ID card and mobile phone number and password for authorization. You can apply for a loan by booking a bank card. 2. Gome Easy Card Gome Easy Card is a loan product under Gome Group. The loan limit is between 1,000 and 150,000. The repayment is very convenient and you can borrow and repay at any time. The application requirements are stricter than those of ordinary online loan platforms and require borrowers Aged 18-45 years old, have good credit, and have a stable source of income. The loan can be issued quickly, as fast as 5 minutes. 3. Xiaochenghua Ping An Consumer Finance Xiaochenghua has a maximum loan amount of 200,000. Compared with ordinary online loans, Xiaochenghua can cover all consumption scenarios and is more convenient to use. The daily interest rate starts at 0.039%. The system provides The credit line can be used anytime and anywhere. No secondary review is required. The borrower needs to be asked about his or her job and have academic records from Xuexin.com. It is better to apply if your academic qualifications are college or above. Everyone will have times when funds are tight. If you need money urgently, you can get a loan through the following methods: Apply for an online loan to borrow money: Most online loans are credit loans and do not require guarantees or collateral, such as Borrowing, Weilidai, and Jingdong Gold Bars In this way, the payment is very fast after the application is successful, and you can usually borrow the money on the same day. Which loan platform is the most formal and reliable, with low interest rates and a high approval rate. Recommended top ten loan platforms: Du Xiaoman Finance: Youqianhua is a personal consumer credit service product launched by Baidu. After submitting your personal information, you can The quota can be obtained, and the fastest review takes 30 seconds. Currently, Youqianhua can borrow up to 200,000 yuan, and the annual interest rate is as low as: 7.2%. The official loan limit has not been given specific instructions. Most users of Youqianhua generally have a loan limit of 30,000 yuan. Around 70,000, some users have quotas of more than 70,000.

2. Are there any formal lending platforms?

According to different qualification levels and interest rate levels, they can be roughly divided into the following categories:

1. The five major banks and leading joint-stock banks

Many people There is a relatively stereotyped impression about banks as a lending institution, that is, there are no products for personal use except credit cards. In fact, this situation has become a thing of the past, and now banks have comprehensively enriched their product lines. So at present, whether it is the five major banks such as Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, and Bank of Communications, or the major joint-stock companies such as China Merchants Bank, China CITIC Bank, China Minsheng Bank, Industrial Bank, Ping An Bank, China Guangfa Bank, etc. Banks all have their own APPs, and they can already apply for credit loans in their own APPs. But after all, it is a leading bank and has relatively high risk control requirements, so the entry threshold is also relatively high.

2. City commercial banks and private banks

Except for some leading banks, there are now many local banks that also attach great importance to the online lending business. At the same time, due to the technological investment these banks have made in online lending over the years, their online technology is also very developed. The more well-known ones include some local city commercial banks, such as Bank of Beijing, Bank of Shanghai, etc., as well as many private banking industries that value this business. Among the private banks that everyone is more familiar with are Weilidai and MYBank. These online loan platforms do not have such high requirements for entry, but the interest rates are not as high as private lending, so they can also be a good choice.

3. Online lending platforms under well-known brands

If the above thresholds of banking systems are not met, then you can only choose some non-banking online lending platforms. However, there are many pitfalls for pure online loan platforms, so you need to be more careful when choosing. It is better to choose an online loan platform under a well-known brand. Relatively speaking, some of the more well-known brands in this area are Jiebei (owned by Ant Group), Duxiaoman (owned by Baidu) and JD Gold Bar (owned by JD.com). Although these are not banking financial institutions, after all, the group brands they belong to are very good, so they are also relatively reliable brands.

Summary

There are many online loan platforms, but the platform you choose depends on your credit level.

Online loans that can be applied for based on creditworthiness can be chosen from the five major banks, joint-stock banks, city commercial banks, private banks, and small loan platforms under well-known brands.

3. Which mobile software is better? More reliable?

Alipay

4. Which loan software is more reliable?

"Flash Loan" is a credit loan product specially launched for high-quality customers of China Merchants Bank. If you have financing needs for business turnover, car purchase, decoration, shopping, travel, etc., you do not need to provide any mortgage or guarantee, nor do you need to submit any written materials. You only need to log in to our mobile banking or online banking professional version and click to apply. After approval, It will be immediately issued to your debit card current account in our bank and is available for you to use at any time.

The maximum loan amount of flash loan does not exceed 300,000 yuan. Our bank will determine the maximum application amount of "flash loan" for you based on your business situation in our bank. If you have obtained the qualification of "flash loan", you can Log in to the "Flash Loan" module of the mobile banking APP or online banking to check your maximum application amount (subject to the final approval result).