Reliable, but mainly screening, as follows:

Formal online lending is guaranteed. I suggest you choose some well-known online lending platforms to avoid being cheated. The formal online lending platform will not charge you any fees before lending. Generally speaking, online lending is fast and the amount is relatively high, but the interest rate will be higher than that of banks. I suggest you choose channels reasonably according to your own situation. Or you can apply for unsecured and unsecured credit loans from banks or institutions.

Remind you to decide the loan amount reasonably according to your repayment ability, and ensure that you repay in full and on time every month. Failure to repay on time will leave an overdue record on the credit report, which will affect future loan or credit card applications.

Is it reliable?

It's a company, not necessarily reliable.

The loan is still going to the bank, or the formal platform is safer. I won't talk about it, violent collection or something.

The monthly interest rate is higher than two fifths. The interest of private lending is agreed by both parties, but it is more than four times the interest rate of bank loans in the same period and is not protected by law. That is to say, if the borrower does not pay back the money and the creditor arrives, the interest will only be judged according to the bank loan interest rate of the same period, and the excess will not be judged.

1. At present, the long-term annual interest rate of the bank loan interest rate for the same period is 5.6%, and 5.6% x4 = 22.4%;

Second, the monthly interest rate is 2.3%. Calculate the annual interest rate, 2.5%X 12 months = 30%;

Third, 30% is more than 22.4%, which is four times higher than the bank loan interest rate in the same period. If it arrives, only four times the interest will be awarded, which is 22.4%.

Since you still have to find a way to pay back the money, it is definitely impossible for you to change the property now. If the property is transferred at an unreasonably low price, the transfer is invalid. If you transfer at a reasonable price, then the transfer price should be used to repay the debt. At the same time, if A sues, it is likely that you will sue and keep your house and car so that you can't transfer.

The Supreme People promulgated the Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, one of which is to regulate the interest rate of private lending.

Article 26 of the "Regulations" clarifies that the interest rate agreed by the borrower and the lender shall not exceed 24% of the annual interest rate, which belongs to the judicial protection zone, and the lender has the right to require the borrower to pay interest at the agreed interest rate; However, if the interest rate agreed between the borrower and the borrower exceeds 36% of the annual interest rate, it is an invalid area, and the interest exceeding 36% of the annual interest rate shall be deemed invalid, and the borrower has the right to demand the lender to return the interest paid above 36% of the annual interest rate.

Extended data

The General Rules for Loans stipulates that:

(1) Determination of loan interest rate: The lender determines the interest rate of each loan according to the upper and lower limits of loan interest rate stipulated by the People's Bank of China, and specifies it in the loan contract;

(II) Collection of loan interest: Lenders and borrowers shall collect or pay interest on schedule in accordance with the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period plus the original term reaches the new interest rate grade, it will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.

(3) Loan interest subsidy: According to the national policy, in order to promote the economic development of certain industries and regions, the relevant departments may subsidize the loan interest. Loans subsidized by relevant departments shall be independently examined and issued by the undertaking bank, and strictly managed in accordance with the relevant provisions of the General Rules for Loans.

(4) Suspension, interest and interest loan: Except as stipulated by the State Council, no unit or individual has the right to decide suspension, interest and interest. The Lender shall, according to the decision of the State Council, specifically handle the cessation, interest reduction and interest-free according to the scope of duties and authority.

Loan interest settlement

Small farmers' loans from rural commercial banks will be repaid with profits. If it is a cross-year loan, the interest must be settled in one lump sum before the end of the year. The interest settlement date is 65438+ February 20th every year.

Except for small-scale farmers' loans, short-term loans (with a term of less than one year, including one year) bear interest according to the legal loan interest rate of the corresponding grade on the signing date of the loan contract. During the loan contract period, in case of interest rate adjustment, interest will not be calculated by installments.

Short-term loans are settled quarterly, and the 20th day of the last month of each quarter is the settlement date; If the interest is settled on a monthly basis, the 20th of each month is the interest settlement date. The specific interest settlement method shall be determined by the borrower and the lender through consultation. Interest that cannot be paid on schedule during the loan period shall be compounded quarterly or monthly according to the loan contract interest rate, and after loans overdue, at the default interest rate. When the last loan is paid off, the profit will be paid off with the principal.

The interest rate of medium and long-term loans (with a term of more than one year) should be fixed at one year. The loan (including all the funds that should be allocated by installments within one year from the effective date of the loan contract) shall bear interest according to the legal loan interest rate of the corresponding grade on the effective date of the loan contract.

After each full year (the date of issuing the first loan is subject to installment), the interest rate for the next year shall be determined according to the legal loan interest rate of the corresponding grade at that time. Medium and long-term loans are settled quarterly, and the 20th of the last month of each quarter is the settlement date. The interest that cannot be paid on schedule during the loan period shall be compounded quarterly according to the contract interest rate, and after loans overdue, it shall be compounded at the default interest rate.

What kind of loan is reliable?

1, Alipay

Alipay is an app that everyone is familiar with. Its flower garden, loan, online business loan and reserve fund can provide loan services for everyone, with the amount ranging from 5 million to 300,000. According to everyone's sesame credit score, you can get different quotas, and the loan is relatively safe and reliable.

Step 2 have money to spend

Easy Loan with Money is a formal loan app recommended by Bian Xiao, and it is also one of the most reliable loan platforms in 202 1. The loan amount is as high as 0.2 million/200 thousand, and people with good credit generally lend 30 thousand to 50 thousand. The term is 12 months and 24 months, and the interest is calculated daily. The minimum annualized interest rate is only 72%.

3. Stage music

The old platform is also trustworthy and a relatively reliable loan app. At present, the maximum loan amount is 50 thousand yuan, which can be divided into 36 months at the longest. For users with good credit or friends of pure white households, it is very easy to pass and get it on the same day.

4360 IOUs

The big platform is relatively reliable. 360 loan is a pure credit loan app under 360. Users above 18 can borrow, with a maximum amount of 200,000 yuan and a loan term of 12 months. Interest is calculated on a daily basis, and new users have the opportunity to participate in interest-free activities.

Step 5 have money to spend

Baidu's credit loans are not very demanding to borrowers. You can register an account with your mobile phone, provide a valid ID card and bank card to complete the authentication after improving your personal information, and you can get a loan after obtaining the quota. The system automatically approves loans, which can be quickly received.

6. Gome Easy Card

The loan age requirement of Gome Easy Card is strict, and it needs 18-45 years old. After you borrow it, you can return it with it, and the review is fast.

7. lend it to you

Lend you an online platform with a loan amount of 500,000-200,000. You need to provide your second-generation ID card, your savings card and sesame credit sub-authorization.

8. New loans

Xinyi Loan is a credit product of Ping An Bank. At present, the maximum amount that can be applied for is 500,000 yuan, and the longest installment time that can be selected is 60 periods, that is, 5 years.

9. White collar loans

The maximum loan amount for white-collar loans is 300,000 yuan, and the borrower must provide his/her valid ID card, work certificate, income certificate, marriage certificate and other materials.

10, please

Borrowing is a cash loan product of Alipay, which supports cash lending. The maximum loan amount is 300,000, and the loan interest is calculated on a daily basis. The daily interest rate ranges from 0.0/kloc-0.5% to 0.06%. At present, borrowing does not support users to apply for opening.

What loan platform is reliable?

Reliable loan platforms include: Ant Lending, JD.COM Gold Bar and Xiaoman Finance.

1, ants borrow it:

Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their journey to the Internet through the "Internet Propeller Plan" and providing inclusive finance services for small and micro enterprises and individual consumers.

Borrowing money is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

At present, the consumer loans issued by e-commerce giants are mainly aimed at the staged consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios are also starting.

2.JD.COM gold bars:

As a sub-brand of digital technology in JD.COM, JD Finance includes personal finance, corporate finance, financial technology and other sectors, and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs and increase revenue, and working with financial institutions to better serve individuals and corporate users.

JD.COM gold bars are credit loan products. If you can't apply for a gold bar loan in JD.COM or don't have a gold bar entrance in JD.COM, it means that your information has not passed the system evaluation for the time being, and you can't provide gold bar loan service at present.

JD.COM gold bar is a credit loan product. According to the comprehensive evaluation of the system, it is not supported to open the application at present. If you click on the gold bar entrance and then click "I can't serve you", you will not be able to open the gold bar for the time being. You can find gold bars in two places:

(1) jingdong financial APP:

Home-borrowing money-gold bars or my-my gold bars?

(2)JD.COM Mall APP:

My wallet, gold bars

3, the degree of small full financial:

Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a brand new brand "Du Xiaoman Finance" to achieve independent operation.

Baidu's internet finance business began in 20 13, and in 20 15, the existing financial business was integrated into a financial business group, and the financial business was raised to Baidu's strategic position, and Mr. Zhu Guang, senior vice president of Baidu, was fully responsible.

Which loan platform is more reliable?

Reliable loan platforms include Yin Bei Consumer E-Point Loan, Flower Borrowing, Jacquard, Flower Appreciation, Doudou Money, Money Flower, Ant Lending, Weizhong Bank Micro-Loan, JD.COM Gold Bar, etc.

Reliable loan platform

1, Yin Bei Consumer E-point Loan: This product was launched by Yin Bei Consumer Finance Platform, and it is a credit information product. The credit line is between 1, 000-50,000 yuan, and the loan period is 3- 12 months. Remember to pay back on time, otherwise your personal credit will be affected.

2. Borrowing flowers: loan products under Ctrip Finance, with a credit line of 500,000-200,000 and a loan term of 1- 12 months. The application conditions are: Chinese mainland residents aged 22-55, who can submit basic information such as ID cards when applying.

3. Withdrawal: Zhongyuan consumer finance loan product, with a credit line of 1 0,000-200,000 and a loan term of1-0/2 months. The application conditions are: 18-55 years old, with good credit information and no criminal record.

If there is demand, recommend Xiaoman Finance under Baidu Finance. The company is licensed to operate formally in industrial and commercial registration and Chongqing, and cooperates with licensed financial institutions such as regular banks and consumer finance companies to provide services.

Interest expense is open and transparent, and there is no hidden charge. The minimum daily interest rate is 0.02%, and the annualized interest rate is 7.2%. The maximum amount is 200,000, and it will be received in 3 minutes at the earliest. The actual interest rate is determined by the system according to the comprehensive situation of users, and the pricing is differentiated.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

In order to provide better services, the borrowing funds mainly come from licensed financial institutions such as regular banks, companies and consumer finance companies, such as Agricultural Bank of China, Postal Savings Bank, China Everbright Bank, Minsheng Bank, Huaxia Bank, Bohai Bank, Bank of Beijing, Guangzhou Bank, China Post Consumer Finance and Yin Bei Consumer Finance.

4, entitled flowers: unsecured credit loans, the fastest 10 minutes can be received. The credit line is between 30 million and 200,000, and the loan period is 6- 12 months. The application conditions require users to be 22-55 years old and have full capacity for civil conduct. Required information: ID card, mobile phone number and savings card binding.

5. Doudou Money: The user is required to be 20-50 years old, and his mobile phone number in the real-name registration system has been used for 5 months, with a credit line of 30,000-50,000 yuan and a term of 3-24 months.

What are the more reliable online lending platforms?

The top ten formal online lending platforms recognized by the state are: 1 and Ping An Hewlett-Packard; 2. Jingdong Finance; 3. Suning Finance; 4. pat on the loan; 5. Microfinance; 6. borrow; 7. Xiaomi borrows money; 8,360 loans; 9. Have money to spend; 10, recruit a good term loan. Here are several online lending platforms (including the top ten online lending platforms).

Mashangdai

For users, through the mobile phone client app, they can apply for "borrow and return" anytime and anywhere without mortgage or guarantee, complete the approval and loan within three minutes at the earliest, and recover the credit line without face-to-face signing to realize instant consumption. The longest loan period can reach 24 periods. "Borrow and repay at once" mainly provides a loan amount of 1000~ 10000 yuan, with a maximum of 200,000 yuan for a single loan.

Ant, please.

Ant Borrowing is a credit loan product with a loan amount of 5-300,000 yuan, and the longest loan period can reach 1 year. The daily loan interest rate is between 0.02% and 0.05%, and the annual interest rate is between 7.2%- 18%. No matter whether you have a job or not, you can apply as long as your sesame credit score is above 600.

Quick loan

Fast loan is a personal online full-process self-service loan launched by China Construction Bank. Customers can apply for self-help, sign contracts online and approve in real time through CCB's electronic channels, while fast loans include fast e-loans, financing e-loans and pledge loans, among which fast e-loans have the lowest threshold. The loan amount for ordinary customers is between 1 1,000 yuan and 50,000 yuan, and the maximum loan amount for financial and private customers can reach 500,000 yuan.

petty loan

Users only need to bind the bank card, click "borrow money" with one click, and then the system will judge the personal credit situation within a few seconds and give a certain amount. And the user does not need any collateral, and can complete the loan online by filling in the information according to the corresponding prompts. The maximum loan is 200,000 yuan.

E Dai

E-loan is a personal online consumer loan launched by Bank of China, which has the characteristics of online application, second-speed approval, online withdrawal and flexible repayment. This product is a credit consumption loan for China Bank to provide high-quality customers with full-process online services by using the Internet and big data technology. The person who applies for a loan can only be a special guest of China Bank. The minimum loan amount is 5,000 yuan and the maximum is 300,000 yuan.

Suitable for borrowing money

It is a new consumer credit loan product launched by Alipay after Lending Bao. Borrowing money also requires binding sesame credit. Applicants need to achieve a sesame score of 670 or above to apply. The maximum loan amount is 200,000 yuan, and the minimum daily interest rate is three ten thousandths.