The most formal borrowing platform on the Internet

The 10 formal online loan platforms recognized by the country mainly include: Youqianhua, JD Finance, Suning Finance, Ping An HP, Weilidai, and Xinxindai , Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Living Expenses, China Merchants Union Hao Futures Loan, etc.

The following is an introduction compiled by the editor based on the platform’s licensed financial background.

1. Have money to spend: The credit products of Duxiaoman Financial are formal and reliable borrowing platforms. Among them, Manyidai provides borrowers with a maximum loan limit of 200,000, with a daily interest rate of 0.02%. -0.065%. The better the credit, the lower the loan interest rate. The service period is generally 12 months.

2. Credit Loan

Jiebei has been renamed Credit Loan, and its safety index is relatively high. Currently, as long as you have a Sesame credit score of 600 or above. The loan amount you can apply for ranges from 1,000 to 300,000 yuan.

If you have capital turnover needs, we recommend you use Xiaoman, the original Baidu Finance. It completed the split in 2018 and achieved independent operations. The company background is a financial information technology company established in Chongqing, with a registered capital of 3 100 million yuan, formally licensed operation, its main business is Youqianhua credit services, 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. . What are the formal lending platforms?

What are the formal lending platforms?

The current formal lending platforms include: Huabei, Ant Borrowing, Alipay Online Merchant Bank, Rongding Baidai, Merchants Union Haofeng Loan

1. Huabei

Alipay launched a "spend first, pay later" service. Users with a sesame score of 600 or above have the opportunity to apply. Open "Huabei". The current limit of "Huabei" is between 2,500 and 30,000 yuan. Users can use it to shop on Tmall Mall or Taobao. They can repay on the 10th of the next month after receiving the goods. As long as they repay on time, no fees will be charged. Any handling fees.

2. Alipay Online Merchant Bank

Alipay Online Merchant Bank still serves small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions. The application threshold is the same as that of previous borrowing. The maximum loan amount is 10,000 yuan. The expected annualized interest rate on the loan date is 0.05%. The loan period is 12 months and the equal principal repayment method is adopted.

3. Ant Borrowing

Alipay’s loan business is called Ant Borrowing. Users do not need to submit complicated personal materials and proof of financial resources, and the loan can be completed in as little as 3 seconds. This service is located in "Credit Life" in "Sesame Credit". Specifically, you only need to open your Alipay wallet, click on Wealth to view your Zhima Credit score, and then click on the credit life menu to see "Ant Borrowing". To use this service, users who need a Sesame score of 600 or more can apply for loan amounts ranging from 1,000 yuan to 300,000 yuan. You need to log in to Alipay and enter Sesame Credit to check the specific limit.

4. China Merchants Union Haoqi Loan

China Merchants Union Haoqi Loan is the Alipay Life Account loan under China Merchants Finance. The maximum amount of 200,000 can be recycled, and the daily interest rate is the lowest. to 0.029%, which can be borrowed or repaid at any time. This program requires borrowers to be between 18 and 50 years old and have a sesame score of 550 or more.

5. Rongding Baidai

Rongding Baidai is a platform with many Alipay Life Account loan openings. For example, Qianqianmei provides borrowers with loans of 1,000-5,000 yuan, with a term of 30 days. The loan is reviewed and disbursed on the same day. It also often provides borrowers with some interest deduction coupons. Which loans online are legitimate?

The top ten formal online lending platforms recognized by the state mainly include: 1. Ping An HP, 2. JD Finance, 3. Suning Finance, 4. Paipaidai, 5. Weilidai, 6. Jiebai, 7. Xiaomi loan, 8. 360 IOU, 9. Money to spend, 10. China Merchants Lianhao loan

1. Ping An Puhui

Ping An Puhui is a subsidiary of Ping An of China Online loan platforms are quite reliable in terms of safety. It also has many loan products, such as: i-loan, life insurance loan, excellent housing loan, car owner loan, homeowner loan, etc. Users can choose according to their own needs.

2. Jingdong Finance

Jingdong Finance belongs to the Jingdong platform. Both white bars and gold bars of Jingdong Finance can help people in need borrow money. The amount of white bars is relatively small, and the loan limit of gold bars is relatively small. high.

3. Suning Finance

Many people should be familiar with Suning Finance. Its main loan product is Suning Renzhipay. The loan amount of Wanlipay can be as high as 200,000 yuan. The main reason is that the threshold for applying for the amount is low. Adults over 18 years old and with no bad records on their credit reports can apply.

4. Paipaidai

Paipaidai is also a very reliable online loan platform. It is understood that it has existed for ten years and has been listed in the United States. The loan amount can be up to 200,000 yuan.

5. Weilidai

"Weilidai" is a purely online small credit revolving consumer loan product launched by WeBank, the first domestic Internet bank, for WeChat users and mobile QQ users. .

"Weilidai" adopts an official invitation system. Invited users can see the "Weilidai" entrance in the "QQ Wallet" of mobile QQ and the "WeChat Pay" of WeChat, and can receive up to 200,000 Yuan loan limit

6. Jiebei Jiebei is a reception service of Alipay, and its safety index is relatively high. Currently, as long as you have an Alipay Zhima credit score of over 600. The loan amount you can apply for ranges from 1,000-300,000 yuan.

7. Xiaomi Loan

It is a loan product of Xiaomi Financier and provides installment services. The application process is a bit cumbersome, but it supports borrowing and repaying at any time. Generally speaking, it is reliable. .

8. 360 IOU

Its main features are fast lending speed, low application threshold, and daily loan interest rate as low as 0.027%, which is converted into an annual interest rate of 95%. It does not require much With a complicated application process, you can apply for a mortgage in as little as one minute, and you can borrow and repay at any time.

9. Money to spend

Baidu's loan platform can meet the various needs of different borrowers based on different loan businesses. The lending method is simple, mainly with low interest. Supports borrowing and returning at any time.

10. China Merchants Union Good Futures Loan

It is a lending service launched by China Merchants Union Consumer Finance. It has been among the top ten formal online loans for a long time. The formality of the platform is self-evident. , the loan amount is generally around RMB 20,000-200,000. And the amount can be recycled within 3 years. What are the more formal online loan platforms?

The formal loan platforms are:

1. Youqianhua: Youqianhua is a credit service product of Baidu, and it has always had a good reputation. The lending speed is also relatively fast. It can meet your daily borrowing needs. You can borrow whenever you want, which is very convenient. The maximum amount is 200,000 yuan, and the average daily interest for borrowing 10,000 yuan for one year starts at 1.1 yuan. The better your credit, the lower the interest rate.

2. Jiebei: Jiebei is a pure credit loan product launched by Alibaba's Alipay. It is issued based on the consumption situation and repayment ability of Alipay users. Ordinary users can only have a Zhima score of 600 or above. Opportunity application is open. According to Sesame Score, the loan amount is 100,000-300,000, the minimum daily interest rate is 0.02%, the loan period is 12 periods, and it supports borrowing and repaying at any time. It has always been a conscientious loan platform.

3. Huanbei: Shanghai Shuhe Information Technology was established in 2015 and launched Huanbei products in 2016. The major shareholder is Focus Media listed company (stock code: 002027). The shareholders include: Focus Media, Sequoia Capital, Cinda Investment, Noah Wealth, Sina, etc.

4. Weilidai: WeBank is the first Internet bank under Tencent. Its products include Weilidai, Weikedai, etc., and is committed to providing fast financial services to small businesses and individual consumer groups.

5. Paipaidai: Founded in 2007, Paipaidai is a p2p financial platform listed on the New York Stock Exchange. Paipaidai products are mainly divided into individual bids and rainbow bids. Currently, it provides users with credit loans with a maximum loan amount of 200,000, and the monthly loan interest rate is about 1%. Users can choose appropriate loan products based on their needs.