Which loan company is better?
Which loan company is better: The latest ranking of the top ten loan companies in China is: Immediate Finance, Bank of China Consumer Finance, Yirendai, Home Credit, JD Finance, Suning Finance, Qudian, Weixin Finance, Xiao Ying Technology and Paipaidai. Their detailed introduction is as follows:
1. Mamo Finance
Maja Finance is one of the first loan companies in my country to have a consumer finance license, and its business has spread throughout China. Immediate Finance can provide you with credit loans of no more than 200,000 yuan, with a term of up to 24 months.
2. BOC Consumer Finance
BOC Consumer Finance ranks second among the latest top ten loan companies in China and was established by Bank of China. BOC Consumer Finance can provide you with a variety of loan products, ranging from 20,000 to 200,000 yuan.
3. Yirendai
Yirendai is a loan company successfully listed in the United States. It can provide you with loans of no more than 200,000 yuan, and the monthly interest rate can be as low as 0.78%. Funds arrive in your account in as fast as 30 minutes.
4. Home Credit
Home Credit is a loan company from abroad and also has a consumer finance license. Home Credit can provide you with loans of 2,000-50,000 yuan, with a term of 6-48 periods.
5. JD Finance
JD Finance currently ranks 5th in the latest ranking of China's top ten loan companies. JD Finance’s gold bars can provide you with loans of no more than 200,000 yuan, with interest calculated on a daily basis and repayable at any time.
6. Suning Financial
Suning Financial is also among the top ten loan companies in China. It can provide everyone with loans of no more than 200,000 yuan. Citizens aged 18 to 55 years old Can apply.
7. Qudian
Qudian ranks 7th in the latest ranking of China’s top ten loan companies. Qudian can help you purchase goods in installments and also help you withdraw cash.
8. Weixin Jinke
Weixin Jinke is a loan company listed in Hong Kong. Its Weixin Card Loans and Star Money Bags can provide everyone with loans of no more than 50,000 yuan. loan.
9. Xiaoying Technology
Xiaoying Technology ranks 9th in the latest ranking of China’s top ten loan companies. Xiaoying Kadai, a subsidiary of Xiaoying Technology, can provide you with loans of up to 150,000 yuan. You can apply if you have basic information such as a credit card.
10. Paipaidai
At the bottom of the latest ranking of the top ten loan companies in China is the loan company Paipaidai. Paipaidai can provide you with loans of no more than 200,000 yuan and supports 724-hour application.
Ranking of the top ten online lending platforms: mobile phones have become mainstream
Many people have been looking for safe and reliable lending platforms. After all, most online loans are not reliable. Today’s summary The online loan platform on the market allows everyone to consume not just to live, but to enjoy life.
1. JD Finance
It has been officially independent since 2013 and specializes in Internet financial investment. It has many sectors, including payment, insurance, loans, investment, crowdfunding, etc. In recent years, it has been developing faster and faster. Among them, JD gold bars have also become the first choice for young users to borrow money. They can apply through various methods such as downloading JD Financial APP, WeChat official account, and official website.
Product: JD Gold Bar
2. Ant Financial (Ant Financial)
Ant Financial was established in October 2014 and its most famous product They are Huabei and Jiebei, two major consumer financial products. Jiebei had 10 million users in the first 10 months. Until now, it has not fully opened up the application channel. It can only be obtained through high-quality lists, invitations, activities and other channels. Qualifications, low threshold, low interest rate, and high quota are its biggest features.
Product: Jiebei
3. WeBank
As the first domestic Internet bank, Tencent WeChat Bank’s loan product is Weilidai. Due to time constraints, It was early, so it was very popular at the beginning and was considered the "originator" of Internet small loan products. However, subsequent operations were not strong and it was overtaken by other small loan products. If you are eligible to apply, it is still a good choice.
Product: Weilidai
4. Suning Consumer Finance
Suning also has many consumer installment loans, such as Willy Pay (installment), Willy Loan, Willy Loan Cash loans can meet the borrowing needs of many people. The application threshold is low and the loan can be disbursed in seconds (withdrawal in 3 seconds). Compared with loan products on other platforms, the disbursement rate is higher. You can apply by downloading the APP and WeChat account.
Products: Wishful Pay, Wishful Borrowing, Wishful Loan
5. Xiaomi Finance
Xiaomi mobile phones also offer loans! With a Xiaomi account, you can get a certain limit, which can be withdrawn for consumption. It is a pure credit product with no mortgage and no loans. You can quickly apply for it by downloading the Xiaomi Finance APP. Since it is a high-end product, the limit is not very high. Users with Xiaomi mobile phones Easier to apply.
Product: Xiaomi Loan
The above are some of the mainstream consumer loan products on the market. They started by making other products, and later established consumer finance and issued loan products, which is more convenient than bank loans. ,fast. Its advantage is that it has a large customer base and is well-known. It relies on its own sesame points, novice points, and willful points to assess user integrity. On the one hand, it can prevent risks, and on the other hand, it can also improve user stickiness. Therefore, regardless of the Both from a platform perspective and from a user perspective, it is very beneficial.
6. Immediate Consumer Finance
A national financial institution with a consumer finance license approved by the China Banking Regulatory Commission. It has a variety of products such as Immediate Loan, Immediate Wallet, and Immediate Installment. It is the most popular financial lending platform in the past two years. It has low application threshold and fast disbursement, so it has attracted the attention of many office workers.
Products: Madai, Mamo Wallet
7. Ping An Puhui Loans
Ping An Puhui and Ping An Bank are two different companies under the Ping An Group of China , the same loans are issued, but the difference is that one is a bank loan and the other is a private loan. Each has its own advantages. For those who want to pursue advantages such as convenience and speed of payment, Ping An Puhui is safer and safer than other private loans. Reliable.
Products: Ping An i-Loan, Emergency Wallet, Oxygen Loan
8. Home Credit Consumer Finance
An institution specializing in small credit loans, including cash loans , consumer loans, installment products and other businesses. Although many users say that Home Credit’s performance in collections, interest rates, etc. is unsatisfactory, many people still apply for Home Credit loans because of convenience, high disbursement rate, and service. good.
Product: Jiexiandai
9. Bank of China Consumer Finance
An online financing platform specially created for professionals with small financing needs, loans Users cannot apply and need to check their credit. It is suitable for borrowers with stable jobs and can apply if they are over 20 years old.
Product: Xinyidai
10. China Merchants Union Consumer Finance
This company is a platform jointly founded by China Merchants Bank and China Unicom ***. The famous product is Haofu, which can meet the financial needs of various groups, such as office workers, self-employed people, newly graduated college students, etc. It is unsecured and unsecured. You can apply with your Sesame score. The threshold is relatively low and your credit score is not high. Borrowers who are too good can also give it a try.
Must know! List of famous private lending companies in China
When everyone needs a loan, they always have an inexplicable sense of trust in some big brands and feel that big brands will not deceive themselves. We have compiled several well-known domestic private lending companies for everyone, which can be your first choice when you need a loan.
Yirendai
Yirendai is a Chinese online financial service platform that provides credit loan consulting services to Chinese urban white-collar workers through the Internet, big data and other technological means, and through "Yiren Financial Management" “Online platforms provide financial advisory services to investors. On December 18, 2015, Yirendai was successfully listed on the New York Stock Exchange in the United States, becoming the first Chinese Internet finance company to be listed overseas. It is a very famous private lending company.
Paipaidai
Paipaidai is a governing unit of the China Internet Finance Association and a professional P2P Internet financial platform. It focuses on credit lending and high-quality investment and has served for 10 years. It is the first pure-play online financial platform in China. An unsecured credit online lending platform, it is also the first Internet financial platform approved by the industrial and commercial authorities to obtain the qualification for "financial information services". With tens of millions of registered users, it is one of the largest online credit lending platforms in China and one of the well-known private lending companies.
Ping An Puhui
Ping An Puhui is a business cluster affiliated to an associate of Ping An Insurance Co., Ltd. of China. Adhering to the brand concept of "Trust is Power", we use innovative technology and excellent customer experience to provide better loan services to small and micro enterprises and individual customers, and create a consumer finance brand trusted by global loan customers. After 11 years of development, Ping An Puhui has grown into a professional model in the financial industry in terms of comprehensive strength and corporate governance. When it comes to well-known private lending companies, Ping An Puhui must be among the best.
Zhongan Credit Industry
Zhongan Credit Industry was established in 2003. It is a microfinance technology service company. It is a joint-stock company of the International Finance Corporation of the World Bank and a joint venture of China's inclusive finance. The vice-president unit of the association and the president unit of the Shenzhen Industry Association. For more than ten years, Zhongan Credit Industry has assisted banks and other financial institutions through its micro-loan technical services to provide fast and easy, mortgage-free and guarantee-free services to small and micro business owners, individual merchants and working-class people. The famous private lending company, Zhongan Credit Industry Do your part.
Renrendai
Founded in 2010, Renrendai is a leading Internet financial company in China and one of the top 100 Internet companies in China. It is committed to providing high-quality and professional personal financial services. , adhering to the tenets of safety, professionalism and innovation, Renrendai has built a trustworthy financial investment and credit lending platform for individuals. The only private online lending company that has been rated AAA by the Chinese online lending evaluation system jointly formed by the Chinese Academy of Social Sciences and CSI Jinniu Financial Research Center for four consecutive quarters, it is a rising star among well-known private lending companies.
Which is the best loan platform?
Which platform offers low formal interest rates and is easy to pass?
1. Merchants Union Finance's pure credit loan
It is also easier to apply for a pure credit loan. You only need to download the APP on your mobile phone, register with your real-name mobile phone number, and upload your ID card. , you can borrow money by binding your bank card and completing real-name authentication. The better your credit, the stronger your repayment ability, and the easier it is to pass. The daily interest rate ranges from 0.03% to 0.10%.
2. Wan e Loan
Wanda Puhui’s pure credit borrowing platform is also relatively easy to get through. No mortgage guarantee is required, and it can be processed directly online, with daily interest rates as low as 0.02%. It has the advantages of low interest rates, fast loan speed, and low threshold. It is one of the preferred borrowing platforms for many people, and the loan rate has always been good.
If you need it, I recommend you to use Du Xiaoman, the original Baidu Finance. It completed the split in 2018 and realized independent operations. The company background is a financial information technology company established in Chongqing with a registered capital of 300 million yuan. , a formal licensed operation, mainly providing credit services for Youqianhua, with Baidu brand background and technical support.
In addition, Du Xiaoman also has financial management, wallet payment, insurance brokerage and other businesses, and has obtained a securities and futures license, a payment business license and an insurance intermediary license accordingly. The licenses are complete and open to the public, and comply with national supervision. .
You have money to spend, the loan amount ranges from 500 yuan to 200,000 yuan, the annualized interest rate starts at 7.2%, and the one-day interest for borrowing 10,000 yuan starts at 2 yuan. The loan term is long, and the loan can be borrowed on a daily basis and can be borrowed the next day. Also, interest is calculated on a daily basis, no mortgage, pure credit, full process online application with ID card and bank card, approval in the fastest 30 seconds, payment in 1 minute, without any hidden charges.
Du Xiaoman-If you have money to spend (second batch), click online to measure your balance
Using Baidu's artificial intelligence and big data risk control technology, personal information is encrypted, monitored and protected throughout the process. Every time a loan is disbursed, verification items such as passwords are required, and the loan can only be disbursed to a bank card in the name of the borrower, so you can use it with confidence.
3. Gome Easy Card
Gome Easy Card is a loan product of Gome Group. The loan limit is between 1,000 and 150,000. The repayment is very convenient. You can borrow and repay at any time. Apply The requirements are a bit stricter than those of ordinary online loan platforms. The borrower needs to be between 18 and 45 years old, have good credit, and have a stable source of income. The loan can be disbursed quickly, as fast as 5 minutes.
Which company is better to choose for real estate mortgage loans?
For real estate mortgage loans, choose Beijing Real Estate Mortgage Loan Platform, Sudai.com, Loan Service Platform, Huahan Finance, and Beijing Huadian Zhengtong Investment Guarantee Limited companies are better.
1. Beijing Real Estate Mortgage Loan Platform
Beijing Loan Guarantee Platform was established in accordance with the law in 2010 and is located in Chaoyang District, Beijing. The platform adheres to the operation of "legal, safe, professional and efficient" Concept, comprehensively draw on professional financial service concepts and technologies, combine the domestic market demand for multi-channel financing and loan guarantees, and specialize in loan guarantee services.
2. Sudai.com
Sudai.com was founded by well-known domestic entrepreneurs and financial industry veterans. The company adheres to the principle of "We must do what customers think of, and what customers don't expect." With the purpose of "We want to think", relying on advanced financial system platforms, complete service networks and professional management teams, we adopt efficient and high-speed service concepts, which have been highly recognized by customers from all walks of life.
3. Loan service platform
The loan service platform is affiliated to Guangzhou Daide Information Technology Co., Ltd. Founded in June 2017, it is a loan service institution focusing on the field of asset mortgage. Daide has reached long-term strategic cooperative relationships with many financial institutions and funders; it mainly provides loan financing services of more than 1 million for lending customers, including personal mortgage loans, corporate large-amount mortgage loans, advance bridge loans, etc.
4. Huahan Finance
Huahan Fangda.com, a subsidiary of Guangzhou Huahan Investment Consulting Co., Ltd., is a real estate loan information consulting service platform. The business areas mainly involve real estate mortgage loans, real estate second mortgage loans, mortgage housing remortgage loans, mortgage housing remortgage loans, real estate transaction loans, sealed housing loans, etc.
5. Beijing Huadian Zhengtong Investment Guarantee Co., Ltd.
Beijing Huadian Zhengtong Investment Guarantee Co., Ltd. has a registered capital of 50 million. With strong background resources and strength, and the service concept of "customer-centered, integrity-based", we will establish a brand that is recognized, satisfied and loyal to consumers, and develop into a unique and professional financial service institution.
What companies are there on formal lending platforms?
Formal online lending platforms:
1. Yirendai, launched by CreditEase in 2012, was listed on the New York Stock Exchange in 2015 Listed.
2. Renrendai is a loan platform owned by Xinyou Financial Services Group. Founded in 2010, it is one of the earliest online lending platforms in China.
3. Lufax, a platform of Ping An of China, was established in Shanghai in September 2011 and received support from the Shanghai Municipal Government.
4. Paipaidai was established in June 2007 and listed on the New York Stock Exchange in 2017. It is the first online lending platform in China.
Expand data
What is online lending? In fact, as the name suggests, online loans are online loans. For example, if you borrow money from him on an application, then this is an online loan. And like Huabei, which many people use, these are collectively called online loans. Online loans are online loans. Online loans are actually borrowing money online from others, commonly known as online loans, but some online loans are safe. It is also a formal channel. Some online loans are informal channels, just like anti-corruption channels. These are formal channels with relatively low interest rates. So if you borrow money from others online, it is also called an online loan, so this kind of online loan is more dangerous. Online loans are also informal online loans.
Borrow money regularly with a purpose. For example, if I use it normally and repay it normally, then I think this online loan is normal, but if you borrow money on major platforms, you can borrow money on irregular platforms. Then this kind of online loan is particularly dangerous, and may cause the destruction of your family and create your own debt. What about something like this? It happens from time to time. Blindly borrowing money will cause you to owe online loans, which will lead to your family being ruined. Because some of them are informal, online loans have extremely high interest rates and huge profits. In the end you can't afford the price, directly.
The reason why many people borrow money blindly is because they blindly spend money to compare with others, which has led to so many people going online and incurring huge debts, which is unbearable. But with blind consumption, we should not blindly consume and compare with others.
In short, talking like blind consumption is an important reason why I owe a huge amount of online loans. Therefore, we really should not spend blindly, as this will have an impact on our future and cause us to owe huge debts. If you can't bear it, it will directly cause your parents to go into debt.
That’s it for the introduction of the preferred loan company.