How much can you borrow with a Zhima Credit score of 700?

How much can you borrow with a Zhima Credit score of 700

Zhima Credit is an independent third-party credit agency under Ant Financial , mainly used to evaluate the user's credit situation. In this system, a score of 700 or above is considered a very good score. You can apply for a loan through some tools, but the specific amount of loan that can be borrowed is related to the loan platform chosen by the borrower, and The maximum loan amount of the platform is related to the loan information provided by the individual. Zhima credit score is not the only criterion. Currently, the following platforms are available for loans through Sesame Credit:

1. Ant Huabei

Ant Huabei is a consumer credit product launched by Ant Financial. When your credit score reaches 600 or more, you may receive an invitation from Alipay to open Ant Huabei and receive a credit limit ranging from 500 to 50,000 yuan. However, Zhima credit score and Huabei limit are not necessarily directly proportional. Even if the score is above 700, if the borrower has overdue loans, overdue credit cards, malicious cash-outs, etc., the limit will not be too high.

2. Ant Borrowing

Ant Boring is a loan service for personal consumption. The maximum limit is 200,000 yuan and the repayment period is 12 months. Generally For example, if the Zhima credit score is in the range of 601-650 points, the borrowing limit may be around 8,000. If the Zhima credit score is in the range of 650-700 points, the borrowing limit may be around 12,000, and the Zhima credit score may be in the range of 700-750 points. Yes, the maximum borrowing limit is 30,000. If the Zhima credit score is in the range of 750-950, the maximum borrowing limit is 50,000.

3. China Merchants Union Haofeng Loan

You will have the opportunity to apply if you reach 600 sesame points. The loan amount is between 10,000 and 200,000. The credit limit is valid for 3 years. The borrower can The specific amount obtained is not directly related to the Zhima credit score. The Zhima credit score can only affect the borrowing interest rate of the good-term loan.

4. Hao Borrow

Hao Borrow is a new loan product launched by Guangfa Bank and Youmi Financial jointly with Alipay. Only users with a Zhima credit score of 700 or above can apply. The maximum amount is 200,000 yuan, and the daily interest rate is as low as 0.03%.

What is a good loan platform with a Sesame Credit score of 700 or above?

1. Jiebei

I believe everyone already knows Jiebei. Jiebei is a credit service brand under Alipay. The maximum amount of Jiebei is 300,000, and the daily loan interest rate is 0.015 %-0.06%. The activation of Jiebei is by invitation only. You can only open Jiebei after receiving the invitation. The conditions for activation are 600 Zhima points and Alipay real-name system. Zhima Score mainly conducts comprehensive scoring based on the user's identity information, credit situation, personal connections, repayment ability, etc.

2. Youqianhua

Youqianhua is a credit product under Duxiaoman Financial, which provides personal consumption credit services to the public. Youqianhua mainly recommends Manyidai. The maximum limit of Manyidai is 20,000 yuan. The daily interest rate of Youqianhua-Manyidai starts as low as 0.02%. The interest rate on a loan of 10,000 yuan starts at as low as 2 yuan per day. At the same time, when applying, you must ensure the authenticity of the information you provide. Ensuring good credit is also a necessary condition for obtaining a better credit limit.

3. Weilidai

Weilidai is an Internet loan product launched by Tencent WeBank. The loan interest is calculated on a daily basis, and the daily loan interest rate is 0.02%~0.05%. Weilidai, like Jiebei, adopts an invitation-based activation method. Users can only activate Jiebei after receiving an invitation from Weilidai. Users can check whether Weilidai is available in their mobile QQ wallet or WeChat Jiugongge. .

4. 360 IOU. The maximum credit limit is 200,000, one-time credit is available on a recurring basis, and the pass rate is very high. You can apply online for the entire process, and the credit limit will be issued in 5 minutes at the fastest.

5. Baixin Bank. It is a platform that integrates many loan products. The loan amount is between 5 million and 200,000. It supports borrowing and repaying at any time, daily interest calculation, no handling fee for early repayment, and regular bank loan products.

6. Ping An Orange Flower. The small credit loan launched by Ping An Consumer Finance can be applied for as long as you have a college degree or above. You need stable income and good credit. The daily interest rate starts at 0.039%.

7. Withdraw money to spend.

The products of consumer finance companies have low application thresholds. Anyone aged 18-55 can borrow. All people except students have the opportunity to obtain a quota, and the term can be chosen from 1 to 12 months.

8. Wan e-loan. Wanda's loan APP has a maximum limit of 50,000 yuan. You can apply if you are 18 years old or older and have a stable job and source of income. The pass rate is high.

9. Willful loan. The borrower's credit information will be checked, and the maximum limit can be up to 300,000 yuan. You can apply by providing your ID card, bank card, and completing real-name authentication.

10. China Merchants United Futures Loan. The borrower's age requirement is between 22 and 55 years old, the term can be selected from 3, 6, 12, and 24 periods, and the daily interest rate ranges from 0.03% to 0.10%.

2018 Inventory: Zhimafen Loan Platform Comprehensive List of Loans Over 700

As personal credit becomes more and more important, no matter what loan product you apply for, you need to authorize various permissions. For example, call records, address books, text messages, location, etc. In addition to filling in basic personal information, additional Sesame Points, Xiaobai Points, Taobao JD.com accounts, and Xuexin.com can greatly increase the success rate of loan applications. So what kind of loans can you get with a Sesame score of 700 or more? Let’s briefly talk about it below.

1. China Merchants Union Financial Loan

This is a small credit loan product of China Merchants Union Financial. You can submit an application as long as your Zhima score is above 600, so a score of 700 is basically There is no problem. If you know how to check your credit, it will be difficult for online loan users to get approved.

2. Installment

Both are Alipay loans, and applications can be submitted within the Life Account. From the name, it seems that installment is a consumer installment product. In fact, it is not the case. The installment limit can be used for installment or cashed to a bank card. The maximum limit is 200,000. The payment is fast. If you have a sesame score of more than 700 points, You can definitely apply.

3. China Post Loans

Enter the official website of China Post Consumer Finance and you can see among the loan products, including Post You Flower, Post You Loan, Post You Shopping, etc. , if your Zhima credit score is above 700, you may wish to learn about China Post Loan, because it is a consumer finance company approved by the China Banking Regulatory Commission and is relatively formal.

4. An Yihua

Malaysia Financial’s products have always been very popular and well-known from 2016 to 2017, and its business is relatively large among consumer financial institutions. of. Among them, Anyihua is a small loan product that everyone is familiar with. The fastest way to apply is through the Alipay APP. You can submit the application by following your life account. The best Sesame score is above 700, and the success rate of placing a loan is higher.

That’s it for the introduction of loans with Sesame Credit scores of 700 and above.