It is the first pure credit and unsecured peer-to-peer lending platform in China, and the first Internet financial platform approved by the industrial and commercial departments to obtain the qualification of "financial information service". Paipai Loan was established in June 2007. The full name of the company is "Shanghai Paipai Loan Financial Information Service Co., Ltd." and its headquarters is located in Shanghai. In addition to ordinary investment projects, it also provides users with two wealth management products, Pat Joker and Rainbow Plan, which are convenient for users to use. More than 2,600 employees. By the end of 20 16, the number of registered users reached 326 1000, making it one of the largest online credit lending platforms in China. Compared with other online credit platforms in China, the biggest feature of the auction loan is the pure online mode operation. The platform itself does not participate in lending, but realizes functions such as information matching, tool support and service. The borrower's loan interest rate is set by himself under the limit of the highest interest rate. This is also the most primitive operation mode of online lending platform.

1. Sorry

It can be said that it is the boss in the loan brand. Backed by Alibaba's support, it is welcomed by the majority of borrowers. The current application threshold is sesame score above 600. 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 between 0.0 15%-0.05%, which can be repaid with the loan.

2. Online commercial loans

Many people think that online business loans and loan treasures are sister loans, but they are actually different. Lenders who borrow money are Chongqing Small Loan Company and Shanghai Pudong Development Bank, and online merchant loans are launched by online merchant banks, which is completely different from borrowing money. Online business loans mainly serve small and micro enterprises and entrepreneurs. There are two loan methods for online business loans, one is the express version and the other is the standard version. The maximum loan amount for express edition is 500,000 yuan, and the maximum loan amount for standard edition is 2 million yuan. The maximum loan amount is only 300,000.

3.JD.COM gold bars

JD.COM Gold Bar is a credit loan product launched by JD.COM. On 20 16, JD.COM Consumer Finance released the first cash loan product "Gold Bar", with differentiated credit and expected annualized interest rate pricing. Gold bars provide cash lending services, with a maximum credit line of 200,000, the longest installment 12 months, and daily interest. The daily interest rate of gold bars is as low as 0.025%.

Operating environment: Apple 12iOS 14, Alipay 10.0.36.9000, auction loan 9. 10.4, JD.COM White Bar 6.2.50.