Which loan platforms are good for placing loans? These 5 platforms are quite reliable
Don’t think that just because you see advertisements for loan platforms, you will think that the loan threshold must be very low. This is not the case. Many loan platforms still have high thresholds, and some small institutions have lower thresholds, but they may not be reliable. So which loan platforms are the best to borrow money from? Oriental Financing Network has summarized 5 for you!
1. Small flash loan
Small flash loan is a loan search information service platform dedicated to providing financial loan product search and loan recommendation services for office workers and small, medium and micro enterprises. . The business covers lending services such as speed loans, large loans, and credit card loans. Users can borrow money through their mobile phones, solving the borrowing problems of all types of users.
2. Flash Loan
Flash Loan APP is a purely online loan search engine that provides borrowers with professional loan search and price comparison services, helping borrowers stay at home and obtain low-cost loans. Cost of completion of loan. Flash Loan has a variety of loan products with monthly interest rates as low as 0.5% and no pressure on monthly repayments. The maximum loan amount can reach 500,000, with a wide range of choices, fast disbursement, fast review, and seconds of disbursement after review.
3. Zhima Xiaoqian
Zhima Xiaoqian can provide borrowers with loans of 500-6,000 yuan, with a minimum term of 1 week and a maximum of 3 months. As long as the sesame points reach more than 600, black households can also quickly obtain a loan of 5,000 yuan.
4. Borrow it.
Jiebei is a loan launched by Alipay, as long as the sesame score is above 600. Depending on the score, the loan amount that users can apply for ranges from 1,000 to 50,000 yuan. The maximum repayment period of Borrowing is 12 months, and the daily interest rate of the loan is 0.045%. You can repay as you borrow.
5. Paipaidai.
On the Paipaidai platform, a single loan can range from a minimum of 1,000 yuan to a maximum of 500,000 yuan, and the repayment period ranges from 1 month to 24 months. The average loan duration is 7.49 months, of which 98.9% are loans with a one-year maturity.
In addition to the 5 examples I listed above, there are actually some loan platforms that are also very easy to use, but the space is limited, so I only listed 5 examples. I believe these 5 should be enough for everyone. Used. Even if your credit report is bad, as long as you meet the application conditions, you can still make a loan from the five loan platforms above.
12 online credit card repayment options recommended by friends who are short of money and must-haves
Using credit cards for daily consumption is not only convenient and can save money, but more importantly, it can last Cardholders can enjoy the interest-free repayment period, but they still have to pay back the money at maturity. As the saying goes, if you often walk by the river, your shoes will never get wet. What should I do if I have no money after my credit card is overdrawn? Here are 12 online credit card repayment opportunities for you, if you are short of money.
1. You can repay the loan
It is a special credit card repayment channel provided by Ping An Bank. It can lend money in as fast as 15 minutes, and you can apply for a loan of up to 100,000 yuan. Pay off the credit card limit. Applicants can apply as long as they are over 18 years old, and the monthly interest rate is as low as 1.17%, making it a relatively reliable online credit card repayment opportunity.
2. Kakadai
The main feature is low-rate credit card repayment. Pure online application requires identity authentication, credit card binding, mobile phone real-name and credit verification. . The more complete the information you provide and the better your credit standing, the more you can apply for a repayment credit card limit of up to 50,000 yuan.
3. Quick loan approval
4. Huanjiebao
5. Jiaka Loan
The applicant must be 20 years old Before the age of 40, you must have a credit card and debit card in your name, your mobile phone number must be authenticated by real name, and your personal credit report must be good. The limit for applying for credit card repayment using Jiakadai software is generally between 3,000 yuan and 30,000 yuan. If you have good credit, it shouldn't be a problem to make a payment of 20,000 yuan.
6. Kuaika Flash Loan
Kuaika Flash Loan is an online credit card repayment option in Kanniu Credit Card Manager. As long as your credit card is in good condition and you are over 18 If you are 1,000 years old, you can apply for a loan ranging from 1,000 to 50,000.
7. Pay it back
The approved amount will be directly transferred to the credit card account for repayment, up to 30,000 yuan, and you can freely choose to repay in 3/6/12 installments , and the interest paid back is 50% off the expected annual interest rate of the minimum repayment of the credit card.
8. Miaofen
Miaofen requires good credit, and the repayment credit card limit that can be applied for is between 500-30,000. Miaofen requires applicants to be over 20 years old, and needs to verify their mobile phone operator. In addition, if they have Taobao and JD account authorization, it will be helpful for the quota and approval rate.
9. Flowers for you
Applicants must be between 22 and 40 years old. Online application, quick review, and payment in 1 day; the minimum loan amount is 500 yuan, and the maximum loan amount is 10,000 yuan; supports 12-month long-term installment repayment.
10. Xiaoying Kadai
Xiaoying Kadai is a recommended online credit card loan with a loan limit of 2,000-50,000 yuan and a loan period of 3 -12 issues. The monthly interest rate ranges from 0.34% to 0.37%, the monthly service rate ranges from 1.11%, and the handling fee is 2%, which is directly deducted when lending.
11. Kuaiyihua
This credit card repayment platform focuses on the concept of overdraft consumption within the personal limit. Spending over 100 yuan will be automatically divided into 12 installments. At the same time, the maximum You can enjoy 30 days of interest-free payment. The minimum handling fee per period is 0.5%, which is equivalent to about 30% of the annual interest rate of bank credit card bill installment repayment.
12. Kungfu Loan
Kongfu Loan is an old credit card online loan company. Its main feature is fast disbursement. According to personal information, the maximum loan limit is 100,000, except In addition to a credit card, authorization is required for Zhima Fen.
For the above 12 credit card repayment online loan options, cardholders can choose according to their actual needs. However, we would like to kindly remind you that repayment of credit cards should only be done as a last resort, otherwise it is easy to fall into the trap of repayment. Vicious cycle.
What are the reliable credit card repayment services?
If you want to maintain your personal credit score, you can’t do it without a few reliable credit card repayment agents. So, with so many credit card fraudsters on the market, how can you avoid the bad ones? You might as well refer to these models I introduced.
1. Xicai Mao
This credit card repayment service only requires the applicant to be between 21 and 55 years old, have a stable source of income, and provide proof, such as bank You can apply for a high-amount loan by paying current bills, social security, insurance policies or fixed assets. The loan amount is between 10,000 yuan and 200,000 yuan, and the repayment period ranges from 1 month to 48 months. The handling fee is around 0.35%, and the loan time is within 3 working days.
2. Jingdong Gold Bars
Jingdong Finance is a consumer credit business. If the user’s credit score reaches the standard and meets the conditions, he or she can obtain a certain quota, and then apply for a loan within the quota, and can apply directly. To the credit card, the interest rate is 0.45% per day during the activity period.
3. Huanbei
Huanbei is a repayment product of Shanghai Shuhe Technology. It can help users repay their credit cards in low-interest installments, and the user can then repay the loan to Bei, and also pay back the loan. The interest rate is 50% off the minimum credit card repayment interest rate.
4. Shengbei
Shengbei is a software developed by Shenzhen Samoyed Financial Services. It is an Internet financial product that introduced online balance compensation earlier in China. It is lent by Harbin Bank and has There are three loan periods to choose from, 3, 6, and 12, and the handling fee is about 30% off that of the bank.
Which credit card repayment services are reliable? Everyone can trust the above models, but different outlets have different service rates. You should carefully calculate this account before choosing.
Which bank offers the best credit card loans?
Introduction to the top ten bank loan products:
1. Industrial and Commercial Bank of China
Product name: Rong E loan
Interest rate: annualized Around 7.2%, it can be even lower when encountering promotions.
Limit: 600-800,000, basically equal to the credit card limit.
Period: Generally 2 years, maximum 5 years. Four repayment methods are supported: equal principal and interest, equal principal, one-time principal payment with interest on schedule, one-time principal and interest payment, and early repayment is supported.
2. China Construction Bank
Product name: Quick e-Loan
Interest rate: about 6% annually.
Quota: up to 300,000.
Term: 1 year. One-time repayment of principal and interest.
Evaluation: You must have business dealings with China Construction Bank before you can get a limit, such as housing loan, financial management, provident fund, etc.
3. Agricultural Bank of China
Product name: Wangjie Loan
Interest rate: about 5% annually.
Quota: up to 300,000.
Term: 1 year. One-time repayment of principal and interest.
Evaluation: The application threshold is relatively high, but there are also opportunities to provide quotas. Friends who have business dealings with Agricultural Bank of China can try it.
4. Shanghai Pudong Development Bank
Product name: Diandai
Interest rate: annualized 6.3%.
Quota: up to 300,000.
Term: 5 years. For those with more than 1 year, you can only choose the repayment method of equal installments of principal every month or equal installments of principal and interest this month.
Evaluation: However, you need to have a provident fund to get a loan, and not all cities are open to it.
5. Bank of China
Product name: E-loan
Interest rate: about 6% annually.
Quota: up to 300,000.
Term: 1 year. Interest is paid monthly and the principal is repaid upon maturity.
Evaluation: A popular product of state-owned banks, the application threshold is high.
6. China CITIC Bank
Product name: Dream Realization Gold
Interest rate: annualized 9%.
Quota: up to 300,000.
Term: up to 3 years. Repay monthly, equal principal and interest.
Evaluation: The threshold is not high. You can basically apply for a credit card from CITIC Bank, but some of it will occupy the credit card limit.
7. China CITIC Bank
Product name: New Express
Interest rate: The normal annualized rate is about 9%, and it drops to about 6.8% during promotions.
Quota: up to 300,000.
Term: up to 3 years. Repay monthly, equal principal and interest.
Reviews: Some of them will occupy your credit card limit.
8. Everbright Bank
Product name: Provident Fund Loan
Interest rate: annualized around 6%.
Quota: up to 300,000.
Term: up to 3 years. There are two repayment methods: equal principal and interest, and monthly interest repayment.
Evaluation: Provident fund is required, but not all cities are open to it.
9. Postal Bank
Product name: Postal Banking Loan
Interest rate: about 14% annually.
Quota: up to 200,000.
Term: up to 2 years. Equal principal and interest.
10. China Merchants Bank
Product name: E Merchants Loan
Interest rate: about 18% per annum, with a daily interest rate of RMB 50,000.
Quota: up to 300,000. The amount is non-recyclable.
Term: up to 2 years. Equal principal and interest.
Which bank is easier to get a loan from?
A summary of some banks with easy loans, but it depends on your own qualifications
Bank of Communications
Haoxiangdai and Angel Loan of Bank of Communications are two This type of loan is relatively easy to apply for. As long as your credit report is relatively good and you are a high-quality customer of Bank of Communications, this high-quality customer means that you have applied for a credit card at Bank of Communications, have deposits, and have frequent and active business with Bank of Communications. Then it will be easier for you to apply for Haoxiang Loan and Angel Loan.
Ping An Bank
Ping An Bank’s new loan is relatively easy to apply for, and the threshold is relatively low. As long as the borrower’s monthly income exceeds 4,000 yuan and the borrower is in his/her own You can apply for a new loan if you have worked at your workplace for more than 6 months (including 6 months). The loan amount range of this new loan is between 10,000 yuan and 500,000 yuan. The loan period can also be freely chosen by the borrower. The choices are actually 12 months and 24 months, and the longest time is 48 months. Yue, the speed of letting go is also relatively fast.
Shanghai Pudong Development Bank
Shanghai Pudong Development Bank has launched a personal online consumer loan product. This product is Puyin Diiandai, and the fastest opening speed of this Puyin Diiandai is within 5 minutes. Within the loan amount, the maximum loan amount can reach 300,000 yuan. As for the application method of Shanghai Pudong Development Bank, borrowers can apply directly through online banking, WeChat banking, mobile banking and other channels.
China Merchants Bank
China Merchants Bank’s e-loan is relatively easy to apply for. It is a credit card loan. The rates of e-loans are relatively low and the borrowing speed is also fast.
No information or mortgage is required, just apply online. The application can be completed within 30 seconds at the fastest. The selected repayment time is at least 3 months and can be up to 24 months.
Guangfa Bank
Guangfa Bank’s E-second loan is an Internet loan product. The credit loan amount it can provide is 5,000 yuan to 300,000 yuan. You can borrow and repay at any time. Interest is calculated on a daily basis.
Is Ping An Bank’s personal credit loan reliable?
Ping An Bank’s personal credit loan is quite good. Because Ping An Bank's personal credit loans do not require guarantees, the procedures are simple, and the approval speed is fast, it is generally good.
To judge whether a credit loan is good or not, you can look at it this way. Comparative applicable conditions: Different banks have different loan application conditions, such as credit status, income, repayment ability, etc. When applying for a loan from a loan company, it mainly depends on the ability to achieve it and personal creditworthiness. Borrowers with debts can also borrow money from banks or loan companies as long as they can provide relevant information. Compare loan interest rates: Credit loans are relatively low-risk, and loan interest rates from the same bank and in different regions may be different. Compare approval speed: Banks have more procedures and approval times are longer. Loans can be obtained as soon as approximately 20 business days. The loan company's procedures are simple and the approval process is fast. It takes 10 working days to obtain a loan. Compare loan limits.
Several common situations in which banks deny mortgage loans:
1. Poor credit record leads to failure in loan approval: Nowadays, most people have multiple credit cards at the same time, and there are many "card owners" Everyone has a history of late repayments. After enjoying the convenience of credit cards, they don’t care about the problem of credit history. In recent years, there have been many cases where banks have refused to lend due to overdue credit cards. If a credit card is overdue for a total of 6 times for 3 consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, you should pay attention to credit problems, repay your loans in a timely manner, and do not become a credit blacklist.
2.: With the development of the Internet and big data, many people around you have begun to borrow money online, some are doing business, and some are using loans to support loans. Although these people have good credit scores, when you apply for a home mortgage loan at a bank, the bank will require you to pay it off in advance. Therefore, before buying a house, you should promptly and accurately evaluate your debt ratio, unless your income can fully support microfinance and housing loans. But according to experience, when actually applying for a loan, 95% of banks will require you to repay it. Once your mortgage is approved, you can apply for it. Therefore, you must ask relevant questions before buying a house. There are many cases of check-out due to unclear settlement. (The above refers to loans on credit).
3. Consumer loans: refers to some, such as computer installments, mobile phone installments, etc. No matter the amount, they must be paid off before they can apply for a mortgage, especially for single customers.
4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a home loan. If you already have a car loan, it will be difficult to apply for a home loan.
5. Whether there is low-rent affordable housing or special welfare housing for a certain period of time (regional policy): Before purchasing a house, you should determine whether there is low-rent affordable housing in the name of family members. Before buying a house, ask your family if there is such a house. If this is the case, you'd better go to the housing authority in advance to inquire whether you need to cancel or whether it can be transferred. Then decide whether to buy a house. Don’t be in a dilemma after paying money but not being able to check out.