What are the formal online loan platforms?

It is recommended to choose the platform carefully if you want to borrow formal loans with low interest rates and easy access:

1. 360 IOU is from Fuzhou 360 Network Co., Ltd.'s personal and small micro credit platform, relying on the advanced Internet security technology and big data technology of 360 Digital Group, based on massive user credit data and behavioral data, is committed to improving the national personal credit system, improving financial service efficiency, reducing costs, and providing Provide safe, stable and convenient consumer loan financial services to various social groups with financing needs. The minimum loan amount is 500 yuan, the maximum limit is 200,000 yuan, the cash payment is received instantly, the daily loan interest fee is as low as 0.027%, and the daily interest fee for a loan of 1,000 yuan is as low as 27 cents.

If you need it, I recommend you to use Du Xiaoman, the original Baidu Finance. It completed the split in 2018 and realized independent operations. The company background is a financial information technology company established in Chongqing with a registered capital of 300 million yuan. , a formal licensed operation, mainly providing credit services for Youqianhua, 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. .

The loan amount ranges from 500 yuan to 200,000 yuan, and the annualized interest rate starts at 7.2%. The interest rate for borrowing 10,000 yuan per day starts at 2 yuan. The loan period is long, and the loan can be borrowed on a daily basis and can be borrowed the next day. Also, interest is calculated on a daily basis, no mortgage, pure credit, full process online application with ID card and bank card, approval in the fastest 30 seconds, payment in 1 minute, without any hidden charges.

Du Xiaoman-If you have money to spend (second batch), click online to measure your balance

Using Baidu's artificial intelligence and big data risk control technology, personal information is encrypted, monitored and protected throughout the process. Every time a loan is disbursed, verification items such as passwords are required, and the loan can only be disbursed to a bank card in the name of the borrower, so you can use it with confidence.

2. Shengbei is developed and operated by Shenzhen Samoyed Internet Financial Services Co., Ltd. It adheres to the bottom line of "do not do it" and specializes in providing high-quality, low-interest bill installment services for young people. Sources of funds: Bank of China Consumer Finance, Harbin Bank of China Consumer Finance, Zhongbang Bank, Haier Consumer Finance, CITIC Bank, etc. We will recommend suitable formal financial institutions to provide loan lines based on your personal situation. Safe funds are more secure!< /p>

3. Zhongan Small Loan is an unsecured, purely online consumer credit platform launched by Chongqing Zhongan Co., Ltd. It focuses on providing instant loan services to individuals and small and micro business owners. Based on mature and professional risk control capabilities, we conduct an overall assessment of customer credit. The upper limit of 3-step borrowing is as high as 200,000, and the loan is disbursed within 5 seconds on average.

4. "Youqianhua" is Duxiaoman's financial credit service brand, which uses artificial intelligence and big data risk control technology to provide users with convenient, fast and secure borrowing services. 1. High loan amount: The amount can be as high as 200,000 yuan (subject to actual approval). 2. Fast loan approval: apply online, get approval quickly, and get your money quickly. 3. Transparent interest rates and flexible repayment: daily loan interest rates start at 0.02%, and multiple repayment methods are supported.

5. Fenqile is an installment consumption platform under Lexin that advocates moderate consumption among young people. It has become 100 million users with product experience and services that understand young people better, are more secure, and have warmer feelings. The trustworthy choice for installment shopping. Installment shopping: genuine products from National Bank, quality guaranteed. High-quality experience: The installment period is flexible and supports various methods such as credit cards. Security guarantee: protected by bank-level risk control team. Borrow with peace of mind: the fees are transparent, and the comprehensive annual fee is as low as 10%.

What are the formal loan platforms?

There are still many formal loan platforms. Here I will only introduce three of them to you.

1. Have money to spend.

Youqianhua is a credit service brand owned by Du Xiaoman. It can provide loan services to individual consumers and small and micro business owners, and is the choice of many small and micro business owners.

Users who meet both age and information requirements can try to apply for money to spend on Du Xiaoman APP. When applying for a credit limit, the system will evaluate it based on your comprehensive situation and then give you a specific credit limit and corresponding interest rate. If you feel that the applied interest rate is acceptable, you can try to apply for a loan.

2. Borrow it.

Jiebei is a consumer credit loan product within Alipay. Users can directly apply for Jiebei loan through Alipay. Find Jiebei on the Alipay My page, and then follow the page prompts to try to apply for activation.

3. Microloans.

Weilidai is a credit product under WeBank. Currently, there are two application channels: WeChat and mobile QQ. Taking WeChat as an example, as long as we can find the words "Weilidai Loan" on our service page, we can try to apply for activation, and the system will review it. Users who can successfully activate and obtain a quota can try to apply for a loan.

The application methods for these three platforms are relatively similar. We only need to find the product entrance in the corresponding APP, click to enter and follow the prompts to read the agreement and agree to activate, then you can try to apply for a quota and obtain the quota. Users can try to apply for a loan.

What are the formal online loan platforms?

Regular online lending platforms:

1. Yirendai, which was launched by CreditEase in 2012 and was listed on the New York Stock Exchange in 2015.

2. Renrendai is a loan platform of Youxin Financial Services Group. It was established in 2010 and is one of the earliest online loan platforms in China.

3. Lufax, a platform under Ping An of China, was established in Shanghai in September 2011 and received support from the Shanghai Municipal Government.

4. Paipaidai was established in June 2007 and listed on the New York Stock Exchange in 2017. It is China's first online lending platform.

What is online loan? In fact, online loans are just as the name suggests, online loans. For example, if you borrow money from an application, then this is an online loan. And like Huabei, which many people use, these are all called online loans. Online loans are just about taking loans online. Online loans are actually borrowing money. Borrowing money from others online is commonly known as online loans. However, some online loans are safe. It is also a formal channel. Some online loans are informal channels, such as Beware of Flowers. These are formal channels, and the interest rates are relatively low. So when you borrow money from others online, it is also called an online loan. So this Online loans are more dangerous, and online loans are also informal online loans.

Borrow money with a purpose and regularly. For example, if I use it normally and borrow it and repay it normally, then I think this online loan saves money. But if you borrow money from major platforms, you can borrow money from other major platforms. Irregular platforms also go there to borrow money, and this kind of online loan is particularly dangerous. It is possible that your family will be ruined, and you will be in debt. So what about something like this? It also happens from time to time. If you borrow money blindly, you will owe money to an online loan, which will lead to the loss of your family. Because some of them are irregular, the interest rate of online loans is very high, and the interest will compound. In the end, you will not be able to bear the price. Straightforward.

The reason why many people blindly borrow money is because they blindly consume and compare, which is why so many people take online loans, resulting in huge debts that they cannot bear. It's straightforward. But blind consumption, we should not blindly consume and compare.

In general, it sounds like blind consumption is an important reason why you owe huge amounts of online loans. Therefore, we really shouldn’t spend blindly. It will have an impact on our future. It will cause us to owe huge debts. If we can’t bear it, it will directly cause our parents to pay off the debts for us.

What are the formal online loan platforms?

The top ten formal online loans and the top ten conscientious loan platforms recognized by the state:

All the ten conscientious loan platforms have passed Selected based on online data, we cannot say which product is better. Different loan platforms have different application conditions and review standards. It can only be said that the one that suits the user is the best. Moreover, according to different selection criteria, the ranking of the top ten conscience loan platforms will change, and even the product names of the top ten conscience loan platforms on different websites are also different.

Small and medium-sized loans: It can provide credit loans of RMB 30,000 to RMB 200,000 to mainland residents aged 22-55, with a maximum term of 12 months and an annualized interest rate as low as 7.2%. After registering and logging in with your mobile phone number in the real-name registration system, you can use your valid second-generation ID card for face recognition authentication. If the bound bank reaches the limit, you can get a loan, and it can be approved in as fast as 5 seconds.

Doudou: Pure credit loan, only open to non-student users aged 20 to 50. You need to submit an application form on the client, take a photo of your ID card, and upload it. After binding the bank card and completing the authentication, you can borrow money, with a limit of 3,000 to 50,000, and a maximum loan period of 24 months, with a monthly interest rate of 0.65%-1.79%. The system will automatically review and the loan can be released as soon as the same day.

Quick e-loan: CCB has many loan products, including financing e-loan, pledge loan, car e-loan, car e-loan, quick e-loan, etc. Among them, the one with the lowest threshold is Kuai e Loan. As long as you handle business with CCB (such as saving money, purchasing financial management, treasury bonds, funds, loans, payroll, etc.), you will have the opportunity to obtain a one-year quota, ranging from 1,000 yuan to 300,000 yuan.

The above content is for reference only and does not contain any loan advice. Online loans are risky, so choose carefully!

What are the formal loan platforms for online loans?

The formal loan platforms for online loans are:

1. Youqianhua: Youqianhua is owned by Baidu A credit service product that has always had a good reputation and has a relatively fast lending speed. 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 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 suitable loan products based on their needs.

What are the formal online loan platforms?

The first type: bank loan platform

In the inherent impression, the review of bank loan products is very slow. A one-month loan and a credit loan can be disbursed within 7 days at the earliest. However, in fact, banks have also made many changes in quick loan products. For example, Ping An i-Loan, China Construction Bank-Quick Loan, etc. can also implement online review and real-time disbursement.

Take Ping An i-Loan as an example. The loan amount is 1,000 yuan to 30,000 yuan. The loan period is 1 month. It can be a revolving loan. The daily interest rate of the loan is 0.1%. The interest calculation method is daily. , no interest will be calculated if no cash is withdrawn. Users can apply by themselves through the Taoqianbao website, and the loan can be released on the same day after approval.

Advantages and disadvantages: The threshold for bank quick loan products is relatively high, and only high-quality customers are eligible to apply for loans. Some people with defective qualifications may be blocked from the loan door, but bank loan products have higher loan interest rates. Its strength crushes all small loan products.

Second type: Internet e-commerce small loans

Internet finance has developed rapidly, and many companies have entered the financial field and launched their own micro-loan products. For example, Alipay, WeChat Weilidai, JD Gold Bar, Xiaomi Loan, Wanda Loan, 360 IOU, etc.

Take Alipay Borrowing as an example. The loan amount is between 500 yuan and 300,000 yuan, and the loan interest rate is from 20,000 to 50,000 per day. Users can download the Alipay APP and go to Sesame Credit In one column, find the borrowing entrance, apply directly online in advance, and the loan will arrive in your account in the fastest 3 seconds.

Advantages and Disadvantages: The advantage of Internet small loans is that it may be the fastest loan product. But the shortcomings are also obvious, the interest rate is high, each product is a whitelist invitation system, and there is no way to manually open the limit.

Third type: P2P platforms or small loan companies

Do P2P platforms and companies have loan products that can be credited quickly? In some cases, P2P platforms and companies lend faster than traditional bank products, but a little slower than Internet small loan products. Take Paipaidai or Tuandai.com as examples. When you apply for a loan on these platforms, you can get the payment on the same day as soon as possible.

Advantages and Disadvantages: The advantage is that the threshold is low, and the scope of people who meet the loan application conditions is relatively wide, but the disadvantage is that P2P platforms and small loan companies are mixed, and the loan interest rates on most platforms are very high, and some even have annual interest rates. Even above 20%, and may be accompanied by various miscellaneous fees, the borrowing cost is too high for loan applicants.

The fourth type: small quick loan products

This type is easy to understand. It is generally a small loan developed by small loan companies, consumer finance companies, and Internet finance companies. Products with a longer cycle have 36 periods, such as Hengyi Loan; short-term products can be borrowed for 7 days, such as Cash Bus, Yongqianbao, etc.

Advantages and Disadvantages: For online small quick loan products, usually the loan amount applied for for the first time is not too high. You need to repay on schedule or provide more qualification information to increase the credit limit. At the same time, some products have higher total interest rates and are only suitable for short-term turnover and not suitable for long-term borrowing.