Zhongyuan Consumer Finance is a national non-bank financial institution headquartered in Zhengdong New District, Zhengzhou City, Henan Province.
Zhongyuan Consumer Finance is jointly funded and initiated by Zhongyuan Bank and Shanghai Yiqian Network Information Technology Co., Ltd., so Zhongyuan Bank is the major shareholder of Zhongyuan Consumer Finance. Zhongyuan consumer finance mainly provides consumer loans and installment services for individual consumers, so the loan funds have designated purposes.
The loan products of Zhongyuan consumer finance include: elite loan, provident fund loan, Leju loan and UnionPay commercial loan-raising money. As long as you meet the loan conditions, you can apply for one of them.
Elite loan provides loans specifically for working people, with a daily interest rate of 0.02%. If you borrow money for one day, you can calculate the interest for one day. The loan interest paid by cash withdrawal is calculated on a monthly basis, and the monthly interest rate can be as low as 0.75%, and the service period is 3 to 24 periods.
Zhongyuan consumer finance pursues the policy that the better the credit, the lower the interest, so friends with excellent credit need not worry too much about their high borrowing costs.
Although there are many channels in the market to provide loans to borrowers, some loan platforms may charge extra fees such as handling fees and service fees in addition to the inflated loan interest rate, which makes borrowers feel great repayment pressure. Conscience online microfinance platform inventory, users who want to apply for loans should not miss it!
1, money to spend
Xiaoman is a small loan product under Baidu Finance. Hold the financial license issued by China Banking and Insurance Regulatory Commission, and have the qualification of private lending. Online application, no mortgage, the fastest 30 seconds to complete, the fastest 3 minutes to lend. The minimum daily interest rate of microfinance is 0.02%, and the maximum loan amount is 200,000.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
2360 IOUs
360 IOUs are licensed institutions with a maximum loan amount of 200,000. The age of the borrower is required to be between 18-55 years old, and it is temporarily closed to college students. If you want to apply for a loan in 360, the borrower's personal credit information must not have serious credit stains, and the debt ratio must not exceed 50% of personal income.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
3. Ping An New Loan
Ping An Xinyi Loan is a small loan product under Ping An Pratt & Whitney. One of its advantages is low application threshold, high quota and fast payment. Support users to borrow and pay back, with daily interest, with a minimum loan of 2,000 yuan and a maximum loan of 500,000 yuan. The service life ranges from 12 months to 48 months, and the monthly interest rate is between1.1%-1.53%.
Ping An Xin Yi Dai Click Online Measurement
Want to see whether an online loan company is formal, generally from the following aspects to examine:
First, check whether the loan company has a financial license, and the loan products of the licensed institutions will basically be connected to the central bank's credit information system.
Second, see if the loan application process is standardized. Regular online lending companies mostly provide credit loans, unsecured and unsecured. Therefore, they will focus on the repayment ability and willingness of loan applicants, such as the need to master personal credit status, income status, debt ratio, work unit and other information. After meeting the loan requirements, they will provide formal loan contracts, and they are also very willing to know all kinds of information of lending institutions and will not hide it.
Formal online lending companies will not charge any fees before lending. Only after the loan is officially issued will they charge interest or a certain fee. Any loan company has to pay various fees before lending, which will attract attention.
Third, depending on whether the loan interest rate meets the national regulations, the loan threshold of formal lending institutions will not be particularly low, and the interest rate will be within the scope stipulated by the state. Many so-called "low threshold, low interest" lending institutions, if they are not eligible for loans, often get less loans than they actually do. After deducting various service fees, the comprehensive cost of loans is very high.