Conscientious loan slots with high yields, with a loan placement guide that has a pass rate of over 90%

With the continuous development of the Internet, there are more and more online loan platforms on the market in my country. Countless online loan opportunities are born and countless loan opportunities are closed every day.

So for loan users, the first problem they face when borrowing money is to choose a good loan platform. Below I will introduce to you several conscientious loan opportunities with high payouts.

1. Have money to spend.

Youqianhua is a personal credit brand launched by Duxiaoman Financial, Baidu’s long-term financial platform.

This brand mainly provides personal credit loan services to users with borrowing needs. The loan products provided by Youqianhua mainly include Manyidai, Zunxiang Loan, and small term loan.

(Click here to test the money-to-spend quota for free)

Among them, Manyidai supports users to actively apply for a quota. The maximum loan quota is 200,000, and the minimum daily loan interest rate is 0.02%. Users who need to borrow money can download the Youqianhua APP through major mobile application stores and apply for loans.

2. Let the ants borrow it.

Ant Jiebei is a credit loan product in Alipay. The maximum loan limit is 300,000. Users with financial needs do not need to download the APP separately. They can directly enter the Jiebei page to apply for a loan through Alipay.

The loan funds will be directly distributed to the bank card account designated by the user. It is worth noting that currently, Jiebei is opened on an invitation-only basis, and only invited users have the opportunity to open Jiebei.

3. Weilidai.

Weilidai is a credit loan product under WeBank. The maximum loan amount supported is 300,000. The specific amount is determined by the Weilidai system based on a comprehensive evaluation of the user's credit, qualifications and other aspects.

Weilidai is opened by WeBank using a whitelist invitation system. Only invited users can find the Weilidai borrowing entrance in WeChat or QQ.

Although the loan threshold of online loan platforms is lower than that of bank loans, this does not mean that online loans have zero threshold. The following methods are conducive to improving the approval rate of online loans:

1. When filling in the loan application materials, fill in your personal information accurately. In addition, you may provide more work information and financial information, which can reflect the borrower's repayment ability;

2 , Pay attention to maintaining a good credit record.

Online loan platforms have certain requirements for borrowers’ personal credit. If the credit report is poor, the loan is likely to be rejected. Therefore, when using credit products, everyone should pay attention to repaying on time;

Which online loan options are easy to borrow?

The top ten formal online lending platforms recognized by the state mainly include: 1. Ping An HP, 2. JD Finance, 3. Suning Finance, 4. Paipaidai, 5. Weilidai, 6. Jiebai, 7. Xiaomi loan, 8. 360 IOU, 9. Money to spend, 10. China Merchants Lianhao loan

1. Ping An Puhui

Ping An Puhui is a subsidiary of Ping An of China Online loan platforms are quite reliable in terms of safety. It also has many loan products, such as: i-loan, life insurance loan, excellent housing loan, car owner loan, homeowner loan, etc. Users can choose according to their own needs.

2. Jingdong Finance

Jingdong Finance belongs to the Jingdong platform. Both white bars and gold bars of Jingdong Finance can help people in need borrow money. The white bar loan limit is relatively small, and the gold bar loan limit is relatively small. high.

3. Suning Finance

Many people should be familiar with Suning Finance. Its main loan product is Suning Renzhipay. The loan amount of Wanlipay can be as high as 200,000 yuan. The main reason is that the threshold for applying for the amount is low. Adults over 18 years old and with no bad records on their credit reports can apply.

4. Paipaidai

Paipaidai is also a very reliable online loan platform. It is understood that it has existed for ten years and has been listed in the United States. The loan amount can be up to 200,000 yuan.

5. Weilidai

"Weilidai" is a purely online small credit revolving consumer loan product launched by WeBank, the first domestic Internet bank, for WeChat users and mobile QQ users. .

"Weilidai" adopts an official invitation system. Invited users can see the "Weilidai" entrance in the "QQ Wallet" of mobile QQ and the "WeChat Pay" of WeChat, and can receive up to 200,000 Yuan loan limit

6. Jiebei Jiebei is a reception service of Alipay, and its safety index is relatively high. Currently, as long as you have an Alipay Zhima credit score of over 600. The loan amount you can apply for ranges from 1,000-300,000 yuan.

7. Xiaomi Loan

It is a loan product of Xiaomi Financier. It provides installment services. The application process is a bit cumbersome, but it supports borrowing and repaying at any time. Generally speaking, it is reliable. .

8. 360 IOU

Its main features are fast lending speed, low application threshold, and daily loan interest rate as low as 0.027%, which is converted into an annual interest rate of 95%. It does not require much With a complicated application process, you can apply for a mortgage in as little as one minute, and you can borrow and repay at any time.

9. Money to spend

Baidu's loan platform can meet the various needs of different borrowers based on different loan businesses. The lending method is simple, mainly with low interest rates. Supports borrowing and returning at any time.

10. China Merchants Union Good Futures Loan

It is a lending service launched by China Merchants Union Consumer Finance. It has been among the top ten formal online loans for a long time. The formality of the platform is self-evident. , the loan amount is generally around RMB 20,000-200,000. And the amount can be used repeatedly within 3 years.

What are the “large loan opportunities that are easy to borrow”? Try these good loan opportunities

When people apply for a loan, the first thing they notice is that they are easy to borrow. Large loan discount for the next payment. Nowadays, there are many large-amount loan opportunities that are very fast and have relatively low application thresholds. Applicants also need to carefully screen these platforms when selecting them. What are the good places for large loans? Here are some good loan platforms recommended to you, hoping to bring you some reference.

Kakadai

A good large-amount loan opportunity: Kakadai. The information required to submit is very simple, just your ID card and your credit report, credit card, provident fund or social security. The loan amount is as low as 1,000 yuan and as high as 50,000 yuan! However, it is easy to place a payment the first time, but it is difficult the second time! A little trick if you want to successfully get money is to choose whichever one has the higher payment coefficient, provident fund or social security, so that the loan amount will be higher!

It’s really easy to borrow

It’s a good loan opportunity for large amounts: It’s really easy to borrow. You can apply using your Sesame Credit score. The maximum loan amount is RMB 50,000. If you have the following information, your loan approval rate will be greatly increased! (Social security, provident fund, real estate, driving license, work license, marriage certificate)

NetEase Small Loan

A good choice for large loans: NetEase Small Loan. You can get a loan using your mobile phone. The loan limit is also up to 50,000, and the information you need to submit is similar! But if you are an employee of a national unit or a listed company, the passing rate will be very high!

Xiaomi Finance

A good place to get a large loan: Xiaomi Finance. The required conditions are that Xiaomi’s credit score must be above 620 points, and the loan limit must be up to 50,000 yuan. It’s super fast to place a payment, it only takes 3 minutes! And it was basically a matter of seconds. Rebus didn’t act like a monkey this time.

Yongqianshun

Yongqianshun is a very professional loan software launched by Nanyang Taihua Network Technology Co., Ltd. In this software, users can experience Very good loan service. The loan limit of Yongqianshun is up to 50,000 yuan. The requirements for applicants are to be over 18 years old and have a valid personal identity certificate. Yongqianshun pays bank debit card repayment, which is convenient and fast.

Hua Endless

Hua Endless currently offers users a minimum application amount of 500 yuan and a maximum of no more than 15,000 yuan. The usage period ranges from 1 day to 6 periods. Applicants need to be between 18-40 years old and have a real-name mobile phone number for more than 6 months. Once approved, the loan will be released in about a minute at the earliest.

Happy Financing

Happy Financing is an online lending software developed by Jinhua Modou Network Technology Co., Ltd. and is committed to providing users with safe and convenient services.

The maximum loan amount you can get in Kaixin Installment is 30,000 yuan, and the borrower is required to be a mainland citizen between the ages of 18 and 35. Kaixin Installment supports online review, rapid disbursement, and solves your financial difficulties as soon as possible.

What are the good places for large-amount loans? In summary, these are some good loan platforms recommended to everyone. These loan platforms can provide borrowers with completed loan services. Borrowers only need to download the corresponding loan app online to apply for a loan online, which saves a lot of trouble and the application speed is very fast. When borrowers have financial needs, they can choose the large loan opportunities introduced above.

Which bank's small loan is more suitable for you, including Quick Loan, Flash Loan, Puyin Dial Loan, and Rong e-Loan?

Lending money is a very embarrassing thing. People you don’t know well will not lend you money, and you are embarrassed to ask people you know well. So, is there a channel through which you can borrow money? Don’t you have to consider these favors? Of course, you can choose a loan. Taking bank loans as an example, you can choose from bank online loan products such as China Merchants Bank’s “Flash Loan”, China Construction Bank’s “Quick Loan”, Industrial and Commercial Bank of China’s “E-Borrowing”, and Shanghai Pudong Development Bank’s “Shanghai Pudong Dial Loan”. Of course, each product has different characteristics. Luge (luxiaodai360) will analyze the four products through application conditions, loan amount, loan interest rate, repayment period and other dimensions to help everyone choose the one that suits them. 1. Before analyzing the product characteristics, let us first give a brief introduction to these four products.

1. China Merchants Bank’s “Flash Loan”

Introduction

It is a fully online personal online loan product provided by China Merchants Bank to our retail customers. As long as the customer meets the loan credit conditions of China Merchants Bank, China Merchants Bank will take the initiative to determine a loan limit application qualification for the customer and notify the customer through SMS and other methods.

Features

Compared with the traditional loan business, the "Flash Loan" product is simple and convenient. Customers can apply for a loan through China Merchants Bank's mobile banking, and the bank system automatically completes the loan approval. and lending.

2. China Construction Bank “Quick e-Loan”

Introduction

It is a self-service application for individual customers through CCB’s electronic channels, online real-time approval, online signing, and self-service A full-process online self-service small credit loan.

Features

Easy to operate, get a loan in minutes

You can shop on domestic e-commerce websites and use "loan account payment" in online banking payment

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You can use the debit card signed by Quick Loan to make purchases at merchant POS

3. ICBC “E-Borrowing”

Introduction

By Unsecured and unsecured RMB loans issued by ICBC to borrowers who meet specific conditions for legal and compliant personal consumption purposes.

Features

Unsecured, unsecured, pure credit

Borrow and repay at any time

The fastest real-time payment of the loan

4. Shanghai Pudong Development Bank’s “Puyin Diiandai”

Introduction

Pudong Development Bank’s business of accepting applications online, signing contracts online, and issuing loans instantly through the Internet to qualified customers model.

Features

Guarantee-free, pure credit

Fast speed: real-time application, real-time approval, real-time lending, from application to loan receipt, the whole process is 3- Completed in 5 minutes.

The application procedure is simple: there is no need to go to and from bank branches or provide paper information. You can complete the application by filling in basic information online and answering yes or no questions.

No handling fees: Borrow and use at any time, no handling fees will be charged during the whole process.

2. Then we use a table to understand the basic characteristics of these four products

Lu Ge (luxiaodai360) analysis, we can see from the above picture:

The features of these four bank online loan products are roughly the same, especially the loan entry thresholds are relatively similar. They are basically open to customers who hold the bank's bank card or are handling related business in another bank.

But there is a clear focus in each dimension: from the perspective of loan amount, Rong e-loan has the highest amount, which can be as high as 800,000. For those with large capital needs, it can be the first choice. The other three products are all 30,000. Ten thousand yuan, it can be applied to customers with relatively large demand for funds; in terms of loan period, the longest loan period for Rong e-Dei and Puyin Diandai is 5 years, while Kuai e-dai is slightly inferior, with a maximum of 1 year. Flash loans have an “ultra-long” term of 120 months, which is a factor worth paying attention to for those who have long-term needs for funds; in terms of loan interest rates, overall, these four products The loan costs are not high. If you have short-term funding needs, these four products are cost-effective choices. Although the repayment methods are different, they all support early repayment and do not charge any fees. , which is also a powerful feature to attract customers.

3. Finally, let’s take a look at the application process for these products. If necessary, we will send it to you directly.

1. China Merchants Bank “Flash Loan” application process

Step 1: Download China Merchants Bank Mobile Banking

Step 2: Log in to Mobile Banking and click "Borrow Money" on the homepage

Step 3: Select the large loan "Flash Loan"

Step 4: Apply for a loan according to the prompts

2. Construction Bank "Quick e-Loan" application process

Step 1: Download China Construction Bank Mobile Banking

Step 2: Log in to Mobile Banking, click the "Quick Loan" icon → click "Apply Now ”

Step 3: Enter the application amount and the verification code received via SMS to confirm

3. ICBC “e-Lending” application process

First Step: Download ICBC Mobile Banking

Step Two: Log in to Mobile Banking, click "Favorites" - "Loans"

Step Three: Click "Credit Consumption Loans"

Step 4: Click “Apply for Loan”

4. Shanghai Pudong Development Bank’s “SPDB Diandai”

Step 2: Enter “Diandai” and receive Product entrance

Step 3: Enter the query password and other personal information, and answer three personal yes-or-no questions

Step 4: Sign the contract and submit it

Tips from Lu Ge (luxiaodai360):

Everyone has their own preferences for tortoise mung beans. Lu Ge has given you a brief introduction to the product features and application channels of the above four products. If you have a loan need, you can choose the best one. , if these four products cannot meet your needs, Luge (luxiaodai360) has as many good ones as you want.