In 20 19, the state severely cracked down on anti-aircraft guns and usury, which led to the closure of many illegal online lending platforms. There are not many formal and reliable products on the market, and Zhaolian Finance is the most popular one. So is there any software similar to Zhaolian Finance? I have compiled some platforms with reliable conscience, which you can refer to.
1, Baidu has money to spend
Du Xiaoman is a platform dedicated to providing credit services to users. It has all-easy loans, privileged loans and short-term loans. Like Zhaolian Finance, it belongs to a regular licensed loan company. Download Qianhua APP and Baidu Wallet APP to apply. The same applies to big data review. The initial information provides ID card and bank card, and users aged 18-55 can apply.
2. Sina Finance
In recent years, many credit products have been produced on Sina financial platform, such as Sina loan, Weibo loan and Sina installment. I have also cooperated with many institutions and developed quite well in the financial industry. Similar to Zhaolian Finance, everyone can choose freely according to their own needs.
3. Alipay loan
Now Alipay is not only a tool, but also involves many investment and financial management fields. Own products include borrowing, online business loans, flower buds, and reserve funds. Major consumer finance companies have also settled in Alipay, including Zhaolian Finance for good term loans. Pay attention to the life number and you can apply.
4. Wanda Loan
Wanda Group's consumer credit brand, a good online lending platform in recent years, is said to have few routines. Like Zhaolian Finance, as long as there is a quota, it can be recycled and the interest is calculated on a daily basis, which is suitable for office workers with good personal qualifications.
What are the current formal lending platforms?
At present, the formal lending platforms are: Flower Garden, Ant Lending, Alipay Online Commercial Bank, Rongding Hundred Loans, and Zhaolian Good Term Loans.
Bai Hua 1
Alipay launched the "consumption first, payment later" service, and users with sesame scores above 600 have the opportunity to apply for opening the "flower garden". At present, the amount of "flower garden" is between 2500-30000 yuan. Users can use it to shop in Tmall Mall or Taobao, and make repayment on the following month 10 after confirming receipt. As long as the repayment is made on time, there is no handling fee.
2. Ants borrow it
Alipay's loan business is called ant borrowing. Users do not need to submit complicated personal materials and financial certificates, and the loan can be completed in 3 seconds at the earliest. This service is located in "Credit Life" in "Sesame Credit".
Specifically, you only need to open Alipay wallet, click Wealth to check sesame credit score, and then click Credit Life menu to see "Ant Borrowing". To use this service, users who need sesame scores above 600 can apply for loan lines ranging from 1000 yuan to 300,000 yuan. The specific amount needs you to log in to Alipay and enter sesame credit inquiry.
3. Alipay Online 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 the previous loan. The maximum loan amount is 1 000 yuan, the expected annualized interest rate on the loan day is 0.05%, and the loan term is 1.2 months. Use the average capital repayment method.
4. Rongding Baidai
Rongding EMI is a platform with many Alipay life loans. For example, if you are short of money, you can provide the borrower with a loan of 1000-5000 yuan, with a term of 30 days, which will arrive on the same day, and often provide the borrower with some interest deduction vouchers.
5. Recruit good loans
Zhaolian Good Term Loan is Alipay Life Loan under Zhaolian Finance, with a maximum amount of 200,000 yuan for recycling and a daily interest rate as low as 0.029%. The borrower 18-50 years old is required, and the sesame score is above 550.
Top ten formal lending platforms
The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, Jingdong Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.
The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.
1. Money to spend: Xiaoman Financial's credit products are formal and reliable lending platforms, among which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.
2. Credit loan
The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.
If there is a capital turnover demand, I recommend that you spend less than full, that is, the original Baidu Finance completed the split on 20 18 and realized independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.