Wo Lai Huo and Sheng Bei are loans with relatively high reputations and suitable for a large number of people, making them a good loan choice.

1. Wo Lai Dai

Wo Lai Dai is an Internet financial platform under WeLab. It mainly provides users with consumer credit, consumer installment and credit leasing services. Wolaidai APP was launched in August 2014. It has been more than 5 years since its establishment. According to the platform’s data disclosure, the platform’s cumulative online application amount is 284.8 billion yuan; the cumulative number of registered people is more than 30 million;

According to the platform According to the official introduction, Wo Lai Dai reached a cooperation with Guangdong Nanyue Bank in 2016. The funds of platform users are deposited by Guangdong Nanyue Bank to achieve their own separation; Wo Lai Dai app is mainly a mobile lending software for young people in society, whether it is nationwide College students, salarymen, and white-collar workers can all apply for loans from Wolaidai. The general loan amount is 1,500-20,000 yuan.

At present, the main method of applying for loans is online. Generally, the information review can be completed and the payment can be made within 24 hours. There is interest on repayment after borrowing money from Wilai Loan, and the monthly interest rate can be as low as 0.78%.

2. Shengbei

The loan amount is between 1,000-20,000 yuan, the loan period is 3-12 months, and the daily loan interest rate is 0.02%. This product focuses on the amount High, low interest rates, and fast review. The review method is full online automatic review, no manual work is required, the review speed is extremely fast, and the time for quota evaluation is about 30 minutes. Once the review is passed, the loan can be released on the same day. After all, the quota is high, and the total Be more cautious.

Application conditions

1. You must be 18-45 years old or above, a natural person with full behavioral capacity (not a college student), and you must have a credit card in your name.

2. There are also certain requirements for academic qualifications, which must be high school graduation or above.

3. Loans are not currently available nationwide. Loans are not available in Yunnan, Guangxi, Inner Mongolia, Tibet, Gansu, Qinghai, Hong Kong, Macao and Taiwan.

Extended information

Loan precautions

—Choose legal lending institutions

You should pay more attention to this point for online loans, although They are all small-amount loans, but they are still loans. Whether they are large institutions such as banks or small private loans, they all need to evaluate the borrower's repayment ability. Don't even think about those who say they can lend you without any conditions. They must be Liar or pretense.

2. Be careful not to pay a deposit

Regular online lending institutions have strict loan approval processes. Even if they do not require collateral, they still need to review the lender’s credit record and income. Proof and other personal credit information. There are also strict limits on loan amounts, loan periods, etc. Formal lending institutions will never charge any fees before disbursing a loan. Some institutions that charge fees to show that they can improve the loan approval rate are all pretense. The normal fee is the installment repayment after a successful loan.

3. Reasonably choose the loan amount and term

Loan as much as you need. You must consider your repayment ability to avoid excessive repayment. , causing excessive pressure. As for the loan term, the longer the loan term, the higher the interest will be. Generally, car loans are 3-5 years and home loans are 10-30 years. The short-term loan terms that are more active in the market now are generally divided into half a year and one year.

4. The purpose of borrowing must be legal

The purpose of borrowing must be legal. If the borrowed money is used for illegal activities such as gambling, fraud, etc., such lending behavior is prohibited by law and is not subject to law. In this way, not only will one's own interests not be protected, but once the loan is not repaid, there will be no way to complain. In serious cases, criminal liability may also be pursued.