What are the apps for low-threshold loans?

Generally, loans through apps with low thresholds are credit loans. It is divided into three levels: bank apps, financial apps of large domestic Internet companies, and ordinary p2p loan apps.

1. Bank app:

The threshold is the highest among these three categories and requires some review qualifications.

Currently, the Gongji Loan on the Hangzhou Bank app, the credit loan on the Nihao Bank app (Nanjing Bank), and Wanlijin on Huitong Life (Ningbo Bank) all have relatively low rates and are very easy to use. loan.

In addition, ICBC’s e-financing loan has the lowest interest rate, but it also has the highest threshold. If you are a civil servant, you can try it.

2. Financial apps of large Internet companies:

Weilidai in WeChat will be reviewed based on personal circumstances. Generally, it is more than 100,000, and the interest rate is around 40,000.

The credit limit of Alipay’s Huabei should not be high, and the threshold is very low. Almost everyone has it, but the security is the highest.

JD Finance’s JD Gold Bars, Suning’s Wanli Loan and Upgrade Loan also have very low thresholds.

Xiaomi loans, 360 IOUs, etc. can also be recommended.

3. Other ordinary p2p loan apps

Jiu Fuwanka, Yixin and other apps have different threshold levels and are not high. They can be used in emergencies and are not recommended for long-term use.

Extended information:

Current status of credit loans

Credit loans refer to loans issued based on the creditworthiness of the borrower, and the borrower does not need to provide guarantees. Its characteristic is that the debtor does not need to provide collateral or third-party guarantees to obtain a loan based only on its own creditworthiness, and the borrower's creditworthiness is used as a guarantee for repayment.

This kind of credit loan has been the main lending method of Bank of China for a long time. Since this type of loan has high risks, it is generally necessary to conduct a detailed inspection of the borrower's economic benefits, management level, development prospects, etc. to reduce risks.

Credit loan business is mainly handled through banks, loan companies, and electronic financial institutions.

Domestic banks with credit loan products include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank, Bank of Ningbo, etc.

Credit loans (credit borrowing) are booming in China. Although it has not been around for a long time, all parties are actively launching products to compete for the market. The loan company's credit loan has a limit of about 20,000-300,000 and an interest rate of 1.5-3.

Some of the loan companies are commonly known as loan companies. The characteristics of this type of product are fast speed and flexible quota, but the cost is hidden in handling fees and other charging items. The actual loan cost is much higher than what is advertised. interest rate.

The credit loan of a guarantee company is a credit loan provided to customers through a guarantee company guaranteeing bank loans. The limit can generally reach a maximum of 300,000, and the fee model is the interest on the bank loan plus the guarantee fee of the guarantee company.

Regular guarantee companies only charge a certain percentage of guarantee fees and do not charge interest. This is also a criterion for identifying whether a guarantee company is formal.

P2P lending and financial management platform, the limit is not too high, and the speed is between loan companies and banks. The characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rates are not the same. uncertain.

Reference source: Baidu Encyclopedia - Credit Loan

What are the credit card loan apps

1. Kaniu Credit Card Manager

Kaniu Credit Card Guanjia offers a wide range of loan types, divided into two modes: online loans and offline loans. Among them, Kaniu’s online loan limit range is the largest among the three credit card management APPs, ranging from 1,000 to 100,000, which can meet the different loan needs of users to the greatest extent. It is worth mentioning that Kaniu’s repayment period is flexible, covering 3 to 36 periods, effectively reducing users’ repayment pressure. Compared with the other two apps, Kaniu has fewer types of offline loans, with only two types. However, online loans have the advantages of short process, fast approval, and convenient loans.

2. Love money, borrow money

The loan operation process of Love money, borrow money, is simple, and you can easily get a loan in just a few minutes. Open the Aiqianjin Borrow mobile APP and click "Borrow Now" to go to the next step. You can clearly see that the entire loan process is divided into three steps: 1) Determine the application amount 2) Verify the real-name information 3) Verify the application qualifications and apply immediately Next step. After filling in the required loan amount and personal information, the app will automatically help you estimate the maximum amount that can be borrowed, the maximum time that can be borrowed, and the amount of monthly repayment, accurate to two decimal places. After submitting the application, the ID card verification and real-name verification are completed. The last step is to verify the application qualifications with bank card, Taobao account, etc. All verification can be completed on one page.

3. Wacai Credit Card Manager

Wacai Credit Card Manager is a completely free credit card management application that does not charge any fees. It is free to install; safe and reliable, with local password settings. While providing convenience, it also pays more attention to the complete protection of user information; one-click import, no need to register an account, binding bill email address can import and analyze credit card bills intelligently with one click; bills can be queried at any time, easily browsed, and transaction details are clear at heart. No matter how many cards you have, there is no clutter; it also has a repayment reminder function that is timely and considerate, so you no longer have to waste money due to late repayments. There is no late payment fee, and repayment by the same name on credit and debit cards is supported, with no handling fees.

Apps that can lend money

After online loans have been rectified, the apps that can still lend money include:

1. Alipay

The loan products of Alipay APP include Ant Juebei, Huabei and Wangshangdai. Among them, Ant Jiubei and Wangshangdai are loan products with daily interest, while Huabei is a loan product that consumes first and pays back later.

2. WeChat

The WeChat APP has the Weilidai credit loan product provided by WeBank, which does not require mortgage or guarantee. The loan amount is estimated based on personal credit qualifications. When applying You need to check your personal credit report.

3. Xinerfu

Xinerfu APP is mainly provided. Applicants can apply as long as their personal credit is good and they have stable employment and income.

4. Wandadai

Wandadai APP can provide loans of up to 200,000. This product adopts a daily interest calculation method, and the daily interest rate is as low as 0.02, even if the agreed repayment is You can also choose to borrow and repay at any time during the term.

5. Jingdong Finance

Jingdong Gold Bars in Jingdong Finance APP can provide loans of up to 200,000. The daily interest rate of this slot is between 0.04~0.095, and the loan period is mainly 1 /3/6/12 months.

What are the APPs for credit card borrowing?

Simple and reliable borrowing platforms. The borrowing platforms that are easier to pass are:

(1) Zhaolianhaoqi Loans: Credit products under China Merchants Union Financial can be applied for online and reviewed online. As long as the user has good credit and a certain repayment ability, it is easier to apply.

(2) Anyihua: The application threshold for Anyihua is not high. As long as you meet the basic loan conditions, it is relatively easy to pass.

(3) Jiebei: As long as you have the application entrance and quota, you can basically ensure the success of your payment.

(4) Weilidai: You need to check your credit before applying for a loan amount. Users with good credit have a higher approval rate.

(5) 360 IOU: A pure credit loan product, you can apply if you meet the age and credit requirements.

I myself had business turnover needs before and used several products. The first one I applied for was Du Xiaoman Youqianhua (formerly Baidu Finance), which has a quota of exactly 10W (the platform supports up to 20W). , the interest is also very low (the annualized minimum is 7.2), which is still relatively low. All were proposed and divided into 12 issues.

Baidu Finance is a formal licensed consumer finance company, and there are no fees for the entire application process and payment.

Du Xiaoman-You have money to spend (batch in seconds), click to measure the amount online

Du Xiaoman-You have money to spend, pay special attention to:

1. You have money to spend You should withdraw money as soon as possible after exceeding the limit, because the limit may become invalid after a long time.

2. It is best to withdraw the full amount when withdrawing cash, because I read other people’s posts saying that if you withdraw too little, the system risk control may mistakenly think that you need it (or re-judge that you are not a high-quality customer). If you are rejected during the cash withdrawal process, it is safer to withdraw at least 60.

After 3 periods, you can choose to settle it in advance. The interest will be paid as long as it lasts, and there will be no loss to us. We must first make sure to pay it forward.

1. The conditions for bank loans that should be noted are:

(1) The applicant is over 18 years old and has full capacity for civil conduct;

(2) The applicant has good credit;

(3) The applicant has a legal and valid marriage certificate, divorce certificate, and single certificate;

(4) The applicant has a legal and valid household registration certificate or valid residence certificate;

(5) Have good repayment willingness and the ability to repay the principal and interest of the loan on time and in full.

2. Loan risks

(1) The agreed interest rate is seriously inconsistent with the actual interest rate. Because you have signed the contract before the loan, but after the loan, you find that the actual interest rate is much higher than the agreed interest rate.

(2) If the company that handles mortgage loans goes bankrupt, neither the deposit nor the real estate certificate can be recovered, nor can the mortgage registration be cancelled, making it impossible to buy or sell real estate or get a loan.

(3) The agreed interest rate is very low, but there are many other fees (such as margin, handling fees, etc.).

(4) Find a private person to apply for a loan. The money has been paid off after maturity, but the lender does not cooperate with the cancellation of mortgage registration or requires additional fees.

(5) There are many unscrupulous companies who are not looking for interest, but want your house.

3. Private real estate mortgage loans are now handled by many lending institutions due to their so-called low risks and high profits. When there are too many institutions, the market becomes chaotic, with various problems emerging one after another and many of their own schemes. Does that mean private loans are not suitable for loans? No, after all, not everyone in need of funds can get a loan from a bank. Private loan companies have still solved the problem of many companies and individuals in urgent need of money.

Which app can you use to get a loan if your credit report is not good?

If you have a bad credit record and a bad credit report, you can try these platforms: China Merchants Union Hao Futures Loan, JD.com Gold Bars, You Qianhua, Baimaodai, Xinxiangtong, Tiqianhua, Anxinhua.

You can try these platforms with loose thresholds. It is recommended that you build up your credit for a period of time after overdue repayments before borrowing, which will help improve the pass rate. Take care of yourself during the period of building up your credit, and don’t Go to any credit business where you can check your credit limit, even if you only check the credit limit and don’t borrow money, don’t do it.

1. China Merchants Union Good-term Loan: A pure credit loan launched by China Merchants Union Finance, with a relatively low threshold, meeting the basic borrowing conditions and having the ability to repay. There are currently no overdue cases with bad credit and there are no loan cases. The system Automatic loan approval, suitable for the long term.

2. Jingdong Gold Bar: A pure credit loan launched by Jingdong Finance. The loan is approved by the cooperative funder. If Jingdong’s big data is good, such as frequently shopping in Jingdong Mall and making IOUs, and being able to repay on time, there will be no overdue loans. If you have paid it off, you can quickly approve the loan if you borrow money from Jingdong Gold Bar.

3. Have money to spend: The pure credit loans launched by Du Xiaoman Financial have been repaid after the due date. You can spend money, manage finances, etc. on Baidu APP before borrowing, slowly accumulate back-end credit, and then go The approval rate will be higher if you borrow money to spend, provided that you meet the basic borrowing conditions and have stable repayment ability.

4. White Cat Loan

A credit loan with relatively loose requirements for borrowers, which can be disbursed quickly and repaid at any time. Office workers who are 22 to 55 years old and have the ability to repay, are not overdue and are not credit shady, may still have the opportunity to make a loan. The maximum amount is 40,000, and the loan period is as short as 3 months and as long as 12 months. It is best to borrow according to your own needs to avoid increasing repayment pressure.

What are the formal loan apps?

Cash Loan, Huabei, Flash Silver, Lightning, 58 Consumer Loan, Cash Bus, Ping An Yidai, Paipai Dai, Renren Dai, Suning willful payment, Jingdong Baitiao, mobile phone loan, fingertip loan, Qingqin small loan, good term loan, first spend 100 million yuan, Yiqianqian, Jianghu emergency, borrow, Satisfaction loan, Dingdang wallet, installment music, fun installment, Renren installment, pocket money, Suizhidai, Xueyin Wallet, Uzu, Noonobangke, Beicai, Momodai, etc.

Refers to the funds borrowed by enterprises from financial institutions such as banks and other units, including credit loans, mortgage loans and trust loans, etc. Borrowing can also refer to funds borrowed by someone from financial institutions such as banks and other units and individuals, including credit loans, mortgage loans, trust loans, etc.

The new Internet "P2P" model uses the Internet as a platform to bring together borrowers (peer) and individual investors (peer) for transactions. Investors are optimistic about the project and lend money to people in need. The advantages of the Internet P2P model are "fast, efficient, not subject to geographical restrictions", etc. In recent years, the mobile Internet "flash loan" model has gradually become popular. The mobile Internet has more efficient and convenient attributes, bringing new operations to traditional loans. model.

Chinese name: Borrowing

Foreign name: borrowing

Bank loan: Bank, Loans

Definition: Borrowed funds

That’s it for the introduction of the online credit loan app.