Which is the best personal credit loan? Inventory of bank credit loans that are easier to apply for

Many people urgently need a bank loan, but do not have any assets to mortgage. They may wish to apply for a bank credit loan. Compared with traditional loans, bank credit loans have the advantages of simple application, It has the advantages of low interest and fast loan disbursement, but different banks have different credit loan application thresholds. So, which is the best personal credit loan? Here is an inventory for you.

Which is the best personal credit loan?

1. Industrial and Commercial Bank of China - Rong e-Jiu

ICBC’s strength is obvious to all, and it has branches all over the country. Its subsidiary Rong e-Jiu is a personal credit loan product. It can be borrowed for 2 years, and the interest rate is relatively low among many credit loans. Borrowers who meet the conditions can apply for it on their own through mobile banking and other channels, with a maximum limit of 200,000.

2. China Construction Bank - Quick Loan

Quick Loan is an online self-service loan product tailor-made by China Construction Bank for individual customers. It does not require the provision of any qualification information. People aged 22 to 60 years old or above CCB customers who are 18 years old and have good credit can apply for CCB Quick Credit Loan, with a maximum limit of 200,000. The loan interest rate is as low as the actual interest rate displayed at the time of application.

3. China Merchants Bank - Flash Loan

Flash Loan is an online credit loan issued by China Merchants Bank to individual customers. No mortgage guarantee is required. The maximum credit limit is 200,000. The borrower holds CMB’s You can apply for a one-card savings card if you are 23 to 60 years old, have stable repayment ability, and have good credit. If you have a well-used China Merchants Bank credit card, the approval rate can be increased to a certain extent.

4. China CITIC Bank-Xinmiaodai

Bank of China launches personal credit loans for salary payment customers, provident fund deposit customers, mortgage customers and other customer groups, with a maximum limit of 300,000 , the annualized interest rate is as low as ~, which is specifically priced by the bank based on the user's credit score and other system risks. Borrowers can apply if they are 20 to 60 years old, have good credit, and meet the monthly income and asset conditions.

5. Shanghai Pudong Development Bank-Diandai

Diandai is an online self-service personal credit loan launched by Shanghai Pudong Development Bank for qualified customers. It is guarantee-free and fast. , easy application and other advantages, the loan amount is up to 300,000, and the term is up to 5 years. The borrower is required to be between 18 and 60 years old, can provide a valid ID card, has no bad credit record, and is not a person related to Shanghai Pudong Development Bank.

The above is the relevant introduction of "Which personal credit loan is the best", I hope it will be helpful to everyone.

Which bank is better for credit loans? You can take a look at these three companies

In today's world where prices are rising and wages are not rising, it is difficult for many people to meet large consumption needs with just the income from work. If they need money urgently, they will inevitably want to take out a loan. In order to provide services to office workers, many banks have launched credit loan products, which require no mortgage guarantee and can be applied for with credit. So, which bank has the best credit loan? Let’s take stock.

1. Agricultural Bank of China

The most famous credit loan of Agricultural Bank of China is Wangjie Dai. If you are a personal housing loan customer of Agricultural Bank of China or a provident fund deposit customer, you can With an Agricultural Bank of China debit card, you can apply for an online loan on the Agricultural Bank of China personal mobile banking, with a maximum limit of 300,000.

It should be noted that the application time for NetJie Loan is from 7:00 to 22:00 every day, and there is a daily maximum limit. The annual interest rate of NetJie Loan is not fixed and will be adjusted according to market conditions. Conditions will be adjusted, and the interest rate for mortgage customers will increase by 15%, and the interest rate for non-mortgage customers will increase between 15% and 50%.

2. Bank of Communications

The well-known credit loans of Bank of Communications include Haoxiangdai and Haoxiandai.

Haoxiangdai is a consumer installment loan with an exclusive installment limit. After comprehensive evaluation by the bank, the loan limit will be superimposed on the credit card. It can only be consumed in non-real estate fields. The consumption amount reaches the amount set when signing the contract. The installment amount will be automatically carried out, which is suitable for large consumption expenditures.

Haoxiandai is a cash installment business. It has an exclusive cash installment business with a maximum limit of 300,000. After passing the bank’s comprehensive evaluation, you can apply for a loan within the exclusive limit and transfer the amount to your name for debit. Use the card and then repay it in installments.

3. China Merchants Bank

e China Merchants Bank is a relatively good credit loan. It is a cash loan. It is also granted credit after a comprehensive evaluation by the bank, and you apply for a loan within the credit limit. , transfer the money to the debit card in your name for use, and then repay in installments.

The advantage of this loan is that there are frequent interest rate discounts. The discounted interest rate is around 0.45%~0.6%. The loan period can be up to 24 months, which is suitable for office workers with long-term capital cycles. However, if you apply for an e-recruitment loan, you will enter the dark room of China Merchants Bank. No matter how well you use your credit card, you will not be given a limit increase before it is paid off.

Which credit card loan is better? These 5 platforms are pretty good!

In an era when credit cards have become very popular, most young people have basically applied for credit cards. Many online loan platforms also saw business opportunities and took out credit card loans. So, which credit card loan is better? Today I will introduce to you 5 fairly good credit card loan platforms.

1. CITIC New KuaiXian

Xin KuaiXian is a large credit card installment loan from CITIC Bank. The loan limit can be up to 300,000 yuan. It does not require any mortgage and the review process is simple. It is relatively fast, and credit card holders with good credit will have a high credit limit and it is easy to get approval.

2. Industrial Bank Suixin Loan

Industrial Bank’s credit card short-term cash loan product does not require any collateral and is reviewed quickly. It is relatively easy to apply for Xixin Loan, especially credit card holders with good credit are more likely to be approved. The repayment of Xixin Loan is relatively free, and you can repay monthly or in advance.

3. JD Finance

JD Gold Bar is a pure credit loan product of JD Finance, which allows everyone to withdraw cash directly. In fact, JD Gold Bar is an upgraded version of JD Baitiao, allowing everyone to have more money.

The loan limit is relatively large, up to 200,000 yuan. You can borrow money by binding your bank card or credit card. The better your credit, the greater the credit limit.

4. Bank of Communications Angel Loan

Bank of Communications is a consumer loan product for young people aged 24-35. The maximum loan amount is 300,000 yuan, but most qualified applicants are generally You can only apply for about 30,000 yuan. The monthly rate of Angel Loan supports consumer loan installments of 6, 12, and 24 installments.

The above is the answer.

Which credit loan is better? You can take a look at these major industries

The popularity of the Internet has brought a lot of convenience to people. People can solve their food, clothing, housing and transportation problems just through their mobile phones. Most people have gradually become accustomed to using mobile phones to handle business. In order to adapt to the development of the times, banks have established their own exclusive websites on the Internet to provide users with more convenient services. Users can also handle the business they need through the bank's official website.

Overdraft consumption has gradually become a mainstream consumption method for people. In order to relieve economic pressure, many people are accustomed to using loans to solve financial problems. In order to better meet consumer needs, major banks have launched Credit loan business. Next, let’s take a look at which bank’s products are better.

1. Bank of China - Salary Loan

1. Mainly targeted at working-class people aged 24-55;

2. User’s monthly income More than 3,000 yuan;

3. The user’s social security must be paid continuously for more than 6 months;

This product can provide users with a loan amount of about 10,000-500,000 yuan; generally 2-3 times the employee's annual income. If the user meets the bank's level 3 wealth customer level, the amount can be increased accordingly. The loan period is 1-36 months and the annualized interest rate is 7.2%.

2. Agricultural Bank of China - Salary Loan

1. Aged between 18-60 years old;

2. The minimum loan is 10,000 yuan;

3. The credit score is 490 and above;

4. The borrower’s spouse has no bad credit record.

The loan amount is generally 200 times the monthly provident fund payment amount, with a maximum of 300,000 yuan, a period of 3-36 months, and an annual interest rate of 7.2%.

3. China Construction Bank - Quick Loans

1. Chinese citizens over 18 years old;

2. Customers within China Construction Bank who have a certain degree in the bank Financial assets or customers who have handled residential mortgage loans;

3. Users need to be high-quality customers of the bank.

If the user is not a customer of the bank, he cannot handle this business. The loan limit is generally between 1,000 yuan and 50,000 yuan, and can reach a maximum of 500,000 yuan. The credit limit is valid for one year and can be used at will during the validity period, which is highly flexible. The annual interest rate is 7.2%.

4. Bank of Communications - e-Loan 2.0

After the user applies, the bank will grant the user a credit line that can be recycled within a certain period of time. The customer can use money when needed Automatically withdraw cash through telephone, online banking, electronic channels, etc. The limit can be used for credit card consumption and online payment.

The maximum limit can reach 1 million yuan and the validity period is 6 months. The maximum repayment time is 36 months, and the annual interest rate is around 7.5%.

The above is the list of bank credit loans for everyone. Friends in need can choose the product that suits them based on their own needs. The interest rate of credit loans is generally higher than that of mortgage-backed loan products. Please do not pursue the limit excessively to avoid owing too much and causing overdue payments. There are also many bank credit products that you can consider. For example, you can learn more about Postal Savings Bank’s “Postal Salary Loan”, China Merchants Bank’s “Flash Loan”, Shanghai Pudong Development Bank’s “SPDB Point Loan”, Industrial Industrial’s “Xingshan Loan”, etc.

Which bank is the most suitable for personal credit loans?

Which type of credit loan are you doing? Generally speaking, there are the following ones that can help you choose

1. If it is an operating loan, you can choose a local business loan. Banks or rural credit cooperatives are relatively convenient.

2. If it is a car credit loan, you can choose Bank of China, followed by ICBC, China Construction Bank, and Agricultural Bank of China.

3. If it is a personal consumption loan or the purpose is not easy to explain, you can choose a Ping An Bank loan.

4. The merchant joint guarantee loan system of rural credit cooperatives is very suitable for business loans for individual business owners. It does not require any collateral, as long as three business licenses guarantee each other.

Which loan is reliable?

1. Alipay

Alipay is an app that everyone is familiar with, including Huabei, Jiebei, and Wangshangdai. , reserve funds, etc. can provide you with borrowing services, and the quota ranges from a minimum of 500 to 300,000. You can get different quotas according to your Zhima credit score, and borrowing is relatively safe and reliable.

2. If you have money to spend,

If you have money to spend, Yidai is a formal loan app recommended by the editor, and it is also one of the most reliable loan platforms in 2021. The loan amount is as high as 200,000 yuan, and the average loan per person with good credit is 30,000 to 50,000 yuan. The term is 12 months or 24 months, and the interest is calculated on a daily basis. The lowest annualized interest rate is only 72%.

3. Fenqile

The old platform is also trustworthy and a relatively reliable loan app. The maximum loan limit is currently 50,000 yuan, and the longest installment can be 36 months. For users with good credit or friends with pure white accounts, it is very easy to pass, and the account can be received on the same day.

4. 360 IOU

Big platforms are relatively reliable. 360 IOU is a pure credit loan app under 360 Digital. Users over 18 years old can borrow money. , the maximum limit is 200,000 yuan, the loan period is 12 months, and interest is calculated on a daily basis. New users have the opportunity to participate in interest-free activities.

5. Have money to spend

Credit loans under Baidu do not have very high requirements for borrowers. Register an account with your mobile phone, complete your personal information and provide a valid ID card and bank card to complete the authentication. , you can borrow money after obtaining the quota. The system will automatically approve the loan and the loan can be credited quickly.

6. Gome Easy Card

The loan age requirements of Gome Easy Card are relatively strict, and they need to be between 18 and 45 years old. You can borrow and repay at any time after borrowing, and the review is fast.

7. Borrow for your use

Borrow for your use is an online platform with a loan limit of 5 million to 200,000. Users are required to provide their second-generation ID card, personal savings card and Sesame Credit Authorization.

8. Xinyidai

Xinyidai is a credit product of Ping An Bank. The maximum amount that can be applied for is 500,000 yuan, and the longest installment period can be selected. It is 60 issues, which is five years.

9. White-collar loan

The maximum loan amount of White-collar loan is 300,000 yuan. The borrower needs to provide his or her valid ID card, work certificate, income certificate, marriage certificate and other materials. .

10. Jiebei

Jiebei is Alipay’s cash lending product. It supports borrowing cash. The maximum loan amount is 300,000. The loan interest is calculated on a daily basis and the daily interest rate range It is 0.015%-0.06%. Currently, Jiebei does not support users to actively apply for activation.