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 demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve 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.
What are the better lending platforms?
1, money loan
Ignoring risk control, the new loan amount is generally between 1 1,000-50,000 yuan, and the new user borrows about 5,000 yuan for the first time. It is also a relatively easy loan platform at present. The loan can be completed within 65,438+00 minutes at the earliest, and it can be successfully received on the same day.
Step 2 have money to spend
Youhuahua is a product of Baidu Xiaoman, and Youhuahuaman Easy Loan is also one of the online loans with a relatively high pass rate at present, with a quota of 1 and a maximum of 200,000, which can meet the borrowing needs of many people. As long as the credit is good, you can apply.
Step 3 go back
Also, it is the platform for accompanying payment. Although it is relatively unpopular, the payment rate is really good. The official copy also said that the payment amount will be made on the same day, regardless of credit information and liabilities. The amount is generally between 1, 000-50,000 yuan, which is very practical for solving the problem of temporary funds.
4. Banyan loans
Banyan Tree loans are approved more, and the approval is easier to pass. There is no requirement for credit reporting, which is only suitable for very short-term needs. Generally, loans are made on the same day, and the amount of loans ranges from 1000 yuan to 50,000 yuan. Generally, the first loan amount is several thousand yuan.
5. Sina staging
At the time of application, you must be at least 20 years old, and your mobile phone number is real-name registration system for 6 months. You can apply for a loan with your ID card, with a quota of 1000-30000 and a term of 1- 12. Quick approval is also a popular loan product in the near future.
Is there any good loan platform?
Reliable lending platforms include Ant Lending, JD.COM Gold Bar and Du Man Finance.
1, ants borrow it:
Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their journey to the Internet through the "Internet Promotion Plan" and providing inclusive finance services for small and micro enterprises and individual consumers.
"Borrowing" is a loan service launched by Alipay. At present, the application threshold is more than 600 sesame seeds. According to different scores, the loan amount that users can apply for ranges from 1 0,000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
At present, consumer loans issued by e-commerce giants are mainly aimed at the staging of consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios are also starting.
2.JD.COM gold bars:
As a sub-brand of JD.COM Digital Technology, JD Finance includes personal finance, corporate finance and financial technology. , and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs, increase income, and work with financial institutions to better serve individuals and corporate users.
JD.COM Gold and Silver is a credit loan product. If you can't get a gold bar loan in JD.COM or you don't have a gold bar entrance in JD.COM, it means that your information has not passed the system evaluation for the time being, and you can't provide gold bar loan service at present.
JD.COM gold bar is a credit loan product. According to the comprehensive evaluation of the system, opening the application is not supported at present. Click on the entrance of the gold bar and then click "I can't serve you", so you can't open the gold bar temporarily. You can find gold bars in two places:
(1) jingdong financial APP:
[home]-[borrowing money]-[gold bars] or [me]-[my gold bars]
(2)JD。 COM mall application:
[My]-[My wallet]-[Gold bars]
3. The degree of small full financial:
Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a new brand "Du Xiaoman Finance" to achieve independent operation.
Baidu's internet finance business began on 20 13. 20 15, the existing financial business was integrated into a financial business group, and the financial business was upgraded to Baidu's strategic position. Mr. Zhu Guang, Senior Vice President of Baidu, is fully responsible for this.
What loan platform is reliable?
Reliable loan platforms include: Ant Lending, JD.COM Gold Bar and Xiaoman Finance.
1, ants borrow it:
Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their journey to the Internet through the "Internet Propeller Plan" and providing inclusive finance services for small and micro enterprises and individual consumers.
Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
At present, the consumer loans issued by e-commerce giants are mainly aimed at the staged consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios are also starting.
2.JD.COM gold bars:
As a sub-brand of digital technology in JD.COM, JD Finance includes personal finance, corporate finance, financial technology and other sectors, and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs and increase revenue, and working with financial institutions to better serve individuals and corporate users.
JD.COM gold bars are credit loan products. If you can't apply for a gold bar loan in JD.COM or don't have a gold bar entrance in JD.COM, it means that your information has not passed the system evaluation for the time being, and you can't provide gold bar loan service at present.
JD.COM gold bar is a credit loan product. According to the comprehensive evaluation of the system, it is not supported to open the application at present. If you click on the gold bar entrance and then click "I can't serve you", you will not be able to open the gold bar for the time being. You can find gold bars in two places:
(1) jingdong financial APP:
Home-borrowing money-gold bars or my-my gold bars?
(2)JD.COM Mall APP:
My wallet, gold bars
3, the degree of small full financial:
Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a brand new brand "Du Xiaoman Finance" to achieve independent operation.
Baidu's internet finance business began in 20 13, and in 20 15, the existing financial business was integrated into a financial business group, and the financial business was raised to Baidu's strategic position, and Mr. Zhu Guang, senior vice president of Baidu, was fully responsible.
Is there any good loan platform? Let's stop here.