1. Common formal apps that can borrow money include Alipay, WeChat, Anyihua, and you and me.

1. Alipay: Alipay is the most common payment software. You can apply for borrowing money by clicking Ant Borrowing on Alipay My page, but Ant Borrowing is only available to some Alipay users at present. This product is believed to be familiar to all Alipay users. It is a loan service platform launched by Alibaba. The large database behind the platform will provide different quotas according to users with different sesame credit scores. The maximum quota can reach 3, yuan, and the longest repayment period is 12 months, which supports borrowing and returning.

2. wechat: you can borrow money by logging in to the wechat client and clicking my-payment-micro-loan. micro-loan is only available to some users. if you don't see micro-loan on the payment page, it means that it is not open to this user at present.

3. Anyihua: Anyihua is a credit product under the immediate consumer finance company, with a loan amount ranging from 1, to 5, yuan.

4. Loan between you and me: Loan between you and me is a platform in peer-to-peer lending. You can apply for a loan by downloading your loan app on your mobile phone.

second, what should be paid attention to when app borrows money

first, choose the amount and term of the loan reasonably. The amount of the loan needs to be determined according to one's own economic situation, and one's own economic repayment ability needs to be considered, so as to avoid excessive repayment amount and excessive pressure in each period. Generally speaking, the loan term means that the interest will increase with the increase of loan time, so we should try our best to choose a loan whose time and interest are within our repayment ability according to our own situation.

second, we should carefully check the relevant contracts of the online loan platform to avoid any regulations that are not in line with our own reality or are unacceptable to us.

Third, be rational in repayment. It is best to use the remaining funds for investment in other things while being able to repay each loan, so as to get the maximum profit. Many people who have been cheated by online loans have not carefully read the relevant contracts and regulations, which leads to their inability to have a good legal advantage in winning the case. If you are a college student at school, it is not recommended to use online loans, because you have less experience and can't distinguish between true and false, and you are likely to be tempted by fake online loans, leading to your own debts. Article 26 of "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases" promulgated by the State Council defines the interest rate ceiling in the lending relationship and the rights of lenders.