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

Which bank has the lowest loan threshold

The following four banks have the lowest loan threshold:

1 , CCB Quick Loan. China Construction Bank Quick Loan is a credit loan platform under China Construction Bank, including a variety of different credit loan products.

Among them, Quick Loan has a minimum loan application threshold and a maximum loan amount of 200,000 yuan. As long as the user If your personal credit information is good and you have a relevant account with China Construction Bank, you can try to apply.

2. Bank of Communications Haoxiangdai. Bank of Communications Enjoy Loan is a credit card loan product of Bank of Communications. It does not occupy the credit card limit and can give users a credit limit of up to 150,000.

The threshold for receiving a loan from Bank of Communications is not high. As long as you hold a Bank of Communications credit card, you can try to apply for a good loan in Bank of Communications mobile banking.

3. China Merchants Bank e-loans. China Merchants Bank e-China Merchants Bank is a product of China Merchants Bank and a credit card loan product.

The maximum loan amount that can be applied for via China Merchants Bank e is 200,000 yuan, which does not occupy the credit card balance.

Users who hold China Merchants Bank credit cards can try to apply. If it is during the preferential period, the daily interest rate of China Merchants Bank e-loan is as low as 0.04%.

4. Bank of China E-loan. BOC E Loan is Bank of China’s personal online consumer loan product.

Users who have paid wages with the Central Bank for more than 6 months, paid mortgage loans with Bank of China for more than 24 months, and paid provident funds with Bank of China for more than 6 months can try to apply. The maximum loan amount that can be applied for Bank of China E-loan is 300,000 yuan.

Loans (electronic IOU credit loans) are simply understood as borrowing money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.

Banks invest the concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income. , increasing the bank’s own accumulation.

The "Three Characteristics Principle" refers to safety, liquidity, and efficiency. This is the fundamental principle of commercial bank loan operations. Article 4 of the "Commercial Bank Law" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined period or to realize cash quickly without loss, so as to meet the needs of customers to withdraw deposits at any time;< /p>

3. Efficiency is the basis for the bank’s continued operation.

For example, if a long-term loan has a higher interest rate than a short-term loan, the efficiency will be good. However, if the loan period is longer, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony among the "three natures" so that there will be no problems with loans.

Repayment method:

1. Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this approach. In this way, the monthly repayment amount is the same;

2. Equal principal repayment: that is, the borrower will evenly distribute the loan amount and repay it in each period (month) during the entire repayment period, and pay it off at the same time A repayment method based on loan interest from the previous trading day to the current repayment date. In this way, the monthly repayment amount decreases month by month;

3. Monthly interest payment and principal repayment when due: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [with a period of less than one year] (Applicable to loans (including one year)), the interest on the loan is calculated on a daily basis, and the interest is returned on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower applies to the bank and can repay part of the loan amount in advance. Generally, The amount is 10,000 or an integral multiple of 10,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period have changed, but the repayment method remains unchanged, and the new The repayment period shall not exceed the original loan period.

5. Repay the entire loan in advance: The borrower applies to the bank to repay the entire loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and repay at any time: The interest after borrowing is calculated on a daily basis, and one day is used to calculate the interest. You can settle the payment in one lump sum at any time without penalty.

Which bank has the lowest threshold for credit loans?

1. Bank of China - Salary Loan

1. Mainly targeted at working-class people aged 24-55;

2. User’s monthly income More than 3,000 yuan;

3. The user’s social security must be paid continuously for more than 6 months;

This product can provide users with a loan amount of about 10,000-500,000 yuan; generally 2-3 times the employee's annual income. If the user meets the bank's level 3 wealth customer level, the amount can be increased accordingly. The loan period is 1-36 months and the annualized interest rate is 7.2%.

2. Agricultural Bank of China - Salary Loan

1. Aged between 18-60 years old;

2. The minimum loan is 10,000 yuan;

3. The credit score is 490 and above;

4. The borrower’s spouse has no bad credit record.

The loan amount is generally 200 times the monthly provident fund payment amount, with a maximum of 300,000 yuan, a period of 3-36 months, and an annual interest rate of 7.2%.

3. China Construction Bank - Quick Loans

1. Chinese citizens over 18 years old;

2. Customers within China Construction Bank who have a certain degree in the bank Financial assets or customers who have handled residential mortgage loans;

3. Users need to be high-quality customers of the bank.

If the user is not a customer of the bank, he cannot handle this business. The loan limit is generally between 1,000 yuan and 50,000 yuan, and can reach a maximum of 500,000 yuan. The credit limit is valid for one year and can be used at will during the validity period, which is highly flexible. The annual interest rate is 7.2%.

4. Bank of Communications - e-Loan 2.0

After the user applies, the bank will grant the user a credit line that can be recycled within a certain period of time, and the customer can use money when needed Automatically withdraw cash through telephone, online banking, electronic channels, etc. The limit can be used for credit card consumption and online payment.

The maximum limit can reach 1 million yuan, and the validity period is 6 months. The maximum repayment time is 36 months, and the annual interest rate is around 7.5%.

The above is the list of bank credit loans for everyone. Friends in need can choose the product that suits them based on their own needs. The interest rate of credit loans is generally higher than that of mortgage-backed loan products. Please do not pursue the limit excessively to avoid owing too much and causing overdue payments. There are also many bank credit products that you can consider. For example, Postal Savings Bank’s “Postal Salary Loan”, China Merchants Bank’s “Flash Loan”, Shanghai Pudong Development Bank’s “SPDB Point Loan”, Industrial Industrial’s “Xingfang Loan”, etc., you can learn more about them.

The above content is for reference only, and the details need to be determined according to the actual banks in each region.

Do not look at the credit report if the threshold is low

Nowadays, credit report is an important indicator for many loan platforms to review. If a bad credit report indicates that the borrower is not willing to repay, the repayment ability will be questioned. Many people are worried that bad credit reports will prevent them from getting loans, so they want to find a loan platform that does not check credit reports. So, what loans are available in 2021 that do not require a credit report? Today I will give you a brief introduction.

What loans in 2021 do not require a credit report?

No credit reference is required for loans, but the safety of loans on the platform cannot be guaranteed. It's likely that it's a conventional loan, or the interest rate is ridiculously high, or it's simply a lie and no loan. In comparison, credit reporting platforms are relatively reliable. After all, the loan must guarantee the borrower's ability to repay, and the loan risk of the loan can usually be judged from the credit report.

If the borrower’s credit is not good and the borrowing risk is high, the loan platform will not take the risk and approve the loan. If the borrowed money is not repaid, it will be very troublesome. So don’t think that it’s okay not to check the credit reporting platform. If it is not good, it is recommended to spend some time to improve your credit score first, and then apply for some platforms with low threshold and easy entry. You can refer to the following:

1.360 IOU: The credit loan of 360 Digital Branch is a licensed consumer financial institution with certain strength and it is safe to borrow money. Although it is checked on the credit report, the threshold is not high. Those who are 24-55 years old, have a stable job and income, and have no bad credit can try it.

2. Lend to you: It is also a small credit loan of licensed consumer finance. The information is simple, the approval is quick, and the requirements for borrowers are not very high. If the borrower is between 22 and 55 years old, you can also apply for a non-white loan, which is suitable for short-term loans.

3. Have money to spend: You can use a small full-amount credit loan or a full-amount easy loan, up to 200,000, which can be used repeatedly. The entire process can be applied online. Suitable for users aged 25-45 with stable income and no bad credit. You only need to provide the original second-generation ID card and your bank card.

The above is the relevant introduction to "What loans do not depend on credit reports in 2021". In short, it is not necessarily safe to borrow money without checking your credit report. If the problem with your credit report is not serious, you can try the above-mentioned low-threshold platforms or get a loan.

What are the low-barrier 2021s? Check out four small loan software with very low threshold for applying for a loan!

Nowadays, there are many platforms where you can apply for a loan on your mobile phone, but different loan platforms have different thresholds for applying for a loan. For borrowers with poor credit and high debt, a low-threshold loan platform is more suitable. What are the low thresholds in 2021? Take stock of four small loan software with very low threshold for applying for a loan!

What are the low-barrier 2021s?

1. Baimao Loan

Baimao Loan is a credit product of Guangzhou Zhidu Internet Co., Ltd., with a loan amount between RMB 5 million and RMB 40,000 and a loan period of 3 to 12 years. Months, the daily loan interest rate starts, and there are certain geographical restrictions. The four regions of Ningxia, Ningxia, Inner Mongolia, and Xinjiang do not support borrowing for the time being.

2. Gome Easy Card

Gome Easy Card is a virtual credit account provided by Gome to users. It can apply for loans, purchase installments and credit card repayments, and is more convenient to use. The Gome Easy Card platform has been connected to the People's Bank of China credit system. If you want to apply for a loan from Gome Easy Card, or use Gome Easy Card for shopping, you need to authorize Gome Easy Card to check your credit report.

3. Beibin Consumer e-Point Loan

e-Point Loan is a credit loan product of Beibin Consumer Finance Co., Ltd. You can apply for a loan of up to RMB 50,000, and the loan period is 3-12 Months, the application materials are relatively simple. The loan applicant only needs to provide his or her ID number, conduct identity verification, and fill in basic personal information.

4. Anxinhua

The maximum loan amount that Anxinhua can apply for is 50,000 yuan, and the longest installment period that can be applied for is 3 months. Anxinhua currently does not support applications from remote areas such as Xinjiang and Xinjiang. Anxinhua's application process is very simple: personal information - operator authorization - document upload - loan review. The lowest daily interest rate of Anxinhua is. The above is the sharing of relevant content about "low threshold 2021". I hope it can help everyone!

That’s it for the introduction of minimum threshold loans.