The best online loan platform on the Internet_the easiest loan app to pass the review

Abstract:

Online loans, also known as p2p online loans. p2p is the abbreviation of peerpeer in English, which means "individual to individual". Online lending refers to direct lending between individuals through the Internet platform. Nowadays, there are many large and small online loan platforms. In the past year, many irregular platforms have also disappeared, which makes people have some worries when investing. Which online loan platforms are more reliable in 2018? What are the most reliable online loan platforms? Let’s find out together.

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The best online loan platforms on the Internet

According to my experience, the 10 most reliable online loan platforms in 2018 are the following ten One!

1. Yirendai. Yirendai is a leading financial technology platform in China, launched by CreditEase in 2012. Yirendai drives financial innovation through technology, providing efficient, convenient and personalized credit loan consulting services to high-quality urban white-collar workers in China; and provides safe and professional online wealth management services to the mass affluent through "Yiren Wealth".

2. Lufax. Lufax, the full name of Shanghai Lujiazui International Financial Assets Trading Market Co., Ltd., is the world's leading Internet wealth management platform and a member of Ping An Group. It was registered in Shanghai in September 2011 with a registered capital of 837 million yuan and is located in the international financial center. Lujiazui, Shanghai.

3. Renren loan. Renrendai Business Consulting (Beijing) Co., Ltd. (hereinafter referred to as "Renrendai"), established in 2010, is a professional online lending information intermediary service platform under Renren Youxin. As one of China's earliest online lending information intermediary service platforms, Renrendai is committed to providing professional online credit and lending matching services to high-growth groups.

4. Micro-loan network. Weidai.com was launched on July 8, 2011. As the pioneer of "Internet auto finance" in China, Wedai.com has created a standardized development model for the auto loan vertical market, providing one-stop financial services for small, medium and micro enterprises and individual users.

5. Paipaidai. Paipaidai was established in June 2007. The company's full name is "Shanghai Paipaidai Financial Information Services Co., Ltd.". It is headquartered in Shanghai, an international financial center. It is an online information lending platform.

6. Dianrong.com. Dianrong.com (now officially renamed Dianrong) is an Internet lending information service intermediary company that provides innovative financial technology solutions to the Chinese market and focuses on Internet lending information intermediary service business. It was founded in 2012 by LendingClub co-founder and former technology president SoulHtite and Shanghai lawyer and private equity partner Guo Yuhang***. It is headquartered in Huangpu District, Shanghai.

7. Group Loan Network. Tuandai.com was established in 2011 and officially launched in 2012. It is an online lending information intermediary service platform focusing on assisting small and micro enterprises. Currently, Tuandai.com is operated by Dongguan Tuandai.com Internet Technology Services Co., Ltd., which is committed to providing borrowers and lenders with high-quality services such as information collection, information publication, information exchange, and loan matching.

8. Which net to invest in. Touna.com was officially launched in 2013. It is an online lending information intermediary platform under Shenzhen Wangjin Financial Information Services Co., Ltd. (operated by Shenzhen Touna Financial Services Co., Ltd.). It focuses on the field of Internet auto finance and ranks among the industry leaders.

9. Yidai.com. Yidai.com, an online lending information intermediary platform. Received capital injection from SoftBank China Capital (SBCVC) in 2014, the platform adheres to a transparent, professional, and warm operation policy, using the Internet as the main channel to provide information collection, information disclosure, credit assessment, information interaction, and lending for both borrowers and lenders to achieve direct lending. Matchmaking and other services.

10. Advantageous network. The operating entity of the Yili.com platform is Beijing Honghe Baiji Financial Information Services Co., Ltd. (hereinafter referred to as "Yiyi.com"). It was established on May 31, 2012, with both registered capital and paid-in capital of RMB 50 million.

The easiest loan app to pass the review

1. Xicai Loan APP is a mobile loan APP that can recommend loan opportunities.

Whether you are an office worker, a self-employed person, or someone without a fixed job, you can find an easy-to-pass application through the Xicai Loan APP, and you can usually get the loan on the same day.

2. For friends with relatively high Sesame scores, Huaxian is an easy loan APP to pass the review. The loan limit for Huaxin can reach 3,000 yuan, and the term cannot exceed 30 days or less than 7 days. Fortunately, there is no credit check or credit check for Huali.

3. For those who have credit cards, Haoren Haoxin is a mobile loan APP that is easy to pass the review. The limit can reach 10,000 yuan, and the period is generally 30 days. No mortgage guarantee is required, and the payment can be made on the same day. . Similar to quality, good people and trustworthy people will also check their credit reports and submit them to the credit bureau.

4. Qianzhan is also a loan APP that is easy to pass the review and has a great reputation in the credit industry. However, Money Station only provides loans to people with good credit. The loan amount available for this loan is between 1,000 and 100,000 yuan, and the term is between 3 and 36 months. The monthly interest rate does not exceed 0.95%.

If you want to start investing in online loans, you must first learn to examine and judge whether an online loan platform is reliable. The last thing to emphasize is: investment is risky, so be cautious when entering the market!

What are the apps with low thresholds for loans?

Generally, loans through apps with low thresholds are credit loans. It is divided into three levels: bank apps, financial apps of large domestic Internet companies, and ordinary p2p loan apps.

1. Bank app:

The threshold is the highest among these three categories and requires some review qualifications.

Currently, the Gongji Loan on the Hangzhou Bank app, the credit loan on the Nihao Bank app (Nanjing Bank), and Wanlijin on Huitong Life (Ningbo Bank) all have relatively low rates and are very easy to use. loan.

In addition, ICBC’s e-financing loan has the lowest interest rate, but it also has the highest threshold. If you are a civil servant, you can try it.

2. Financial apps of large Internet companies:

Weilidai in WeChat will be reviewed based on personal circumstances. Generally, it is more than 100,000, and the interest rate is around 40,000.

The credit limit of Alipay’s Huabei should not be high, and the threshold is very low. Almost everyone has it, but the security is the highest.

JD Finance’s JD Gold Bars, Suning’s Wanli Loan and Upgrade Loan also have very low thresholds.

Xiaomi loans, 360 IOUs, etc. can also be recommended.

3. Other ordinary p2p loan apps

Jiu Fuwanka, Yixin and other apps have different threshold levels and are not high. They can be used in emergencies and are not recommended for long-term use.

Extended information:

Current status of credit loans

Credit loans refer to loans issued based on the creditworthiness of the borrower, and the borrower does not need to provide guarantees. Its characteristic is that the debtor does not need to provide collateral or third-party guarantees to obtain a loan based only on its own creditworthiness, and the borrower's creditworthiness is used as a guarantee for repayment.

This kind of credit loan has been the main lending method of Bank of China for a long time. Since this type of loan has high risks, it is generally necessary to conduct a detailed inspection of the borrower's economic benefits, management level, development prospects, etc. to reduce risks.

Credit loan business is mainly handled through banks, loan companies, and electronic financial institutions.

Domestic banks with credit loan products include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank, Bank of Ningbo, etc.

Credit loans (credit borrowing) are booming in China. Although it has not been around for a long time, all parties are actively launching products to compete for the market. The loan company's credit loan has a limit of about 20,000-300,000 and an interest rate of 1.5%-3%.

Some of the loan companies are commonly known as loan companies. The characteristics of this type of product are fast speed and flexible quota, but the cost is hidden in handling fees and other charging items. The actual loan cost is much higher than what is advertised. interest rate.

The credit loan of a guarantee company is a credit loan provided to customers through a guarantee company guaranteeing bank loans. The limit can generally reach a maximum of 300,000, and the fee model is the interest on the bank loan plus the guarantee fee of the guarantee company.

Regular guarantee companies only charge a certain percentage of guarantee fees and do not charge interest. This is also a criterion for identifying whether a guarantee company is formal.

P2P lending and financial management platform, the limit is not too high, and the speed is between loan companies and banks. The characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rates are not the same. uncertain.

Reference source: Baidu Encyclopedia-Credit Loans

What are the useful apps for mortgage loans

Weidai.com APP. Except for Bank of Communications and Bank of China, which rarely provide real estate mortgage bank loans, most other banks can provide mortgage loans, such as: China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Chongqing Rural Commercial Bank, Postal Savings Bank of China, etc. However, major banks have different requirements for real estate mortgage loans, execution interest rates, loan terms, etc. Therefore, when choosing a loan, you must consider the type of loan that is suitable for you, the repayment pressure, etc. Senmao Guarantee is an institution that directly cooperates with banks

1. Weidai.com

Wedai.com was launched in July 2011 and is one of the earlier online loan platforms in China. The platform's initial model was similar to Paipaidai (purely online credit loans). Later, it turned to chattel mortgage loans and expanded its service network through offline franchises. Last year, Weidai.com launched the "100 stores in five years" plan, trying to open 100 offline outlets across the country by 2017. Currently, about 30% of this goal has been achieved.

2. Haochedai Chedai is an investment and financing financial service platform that provides mortgages, pledged loans and car loan financing services to car owners. The online platform was established in 2014. Although it is a young platform, the professional strength of Haochedai cannot be underestimated. In 2015, it received a capital injection of tens of millions of dollars from Shenzhen Qianhai Zhongda Xin Asset Management Co., Ltd., making it one of the top 100 brands in Internet finance. The current main products include Haochedai, Rongqi Express, Yinqi Express, Lease Bao, etc. The investment amount of Haoche loan projects is very small, so it is very suitable for small and medium-sized investors.

3. Wuyou Car Loan Wuyou Car Loan is an innovative Internet auto finance platform independently developed and operated on the basis of the original Qiancheng Wuyou Car Loan business. Relying on the "Internet Finance Auto" model, We are committed to building a standardized, safe, transparent and honest Internet financial information intermediary service platform to provide investors with low-risk, high-return investment products, so that every penny creates value; and to provide low-cost, high-return services to those in need of funds. Efficient financing services make small loans no longer difficult.

What are the car mortgage loan platforms?

1.58 Car Loan APP: 58 Car Loan APP is a P2P lending platform for vehicle mortgage loans. 58 Car Loan adopts prudent and professional evaluation methods. With a unique comprehensive credit evaluation system and powerful risk control methods, the cumulative loan amount exceeded 50 million yuan and maintained a zero non-performing rate.

2. Chemiadai APP: Chemiadai APP is a car loan APP launched by Alibaba. The Chemiadai APP allows car buyers to submit loan applications online on their mobile phones and get the loan credit limit within half an hour.

3. First Auto Loan APP: First Auto Loan APP is a car loan APP developed by Shanghai Fengzhixing Auto Finance Co., Ltd. for users with loan needs who have been approved by its company and provide intermediary services. . Investors can invest through the mobile client and enjoy the fun of investment and financial management anytime and anywhere.

4. Bee BiChedai APP: Bee BiChedai is China's leading p2p lending platform, providing users with fast and high-quality financial services to help improve quality of life. Quick loan, save money and effort, customized, safe and reliable.

5. Yixin Car Loan APP: Yixin Car Loan mainly provides new car loans, second-hand car loans, car owner loans, car rental, car insurance and other products and services. In addition to cooperating with a number of financial institutions, it also It has Yixin Financial’s self-operated business and provides a wide range of auto finance products and services.

6. Cheyidai APP: Cheyidai focuses on car loans. For investors, the car loan business is a safe loan business with the characteristics of small amount, decentralization, mortgage, and quick realization. Through mature The business model and perfect market

That’s it for the introduction of p2p loan software.