It is recommended to choose formal channels to handle loans, such as bank channels and formal online lending platforms. There are many loans that are easy to borrow, such as money, ant loans, small loans, JD.COM gold bars, etc., but it depends on the borrower's qualifications and credit information.

Have money to spend

Baidu credit service brand can meet the capital demand of daily consumption turnover. Pure online application, no mortgage, simple application materials, the fastest 30 seconds for approval, the fastest three minutes for lending, and the highest 200,000. A number of product lines have been laid out, including "Money Spend-All Easy Loan", "Money Spend-Enjoy Loan" and "Money Spend-Short Term Loan". The scene has covered daily consumption, medical beauty, education, renting, mortgage and so on. , and can be accurately matched according to the user's loan demand, providing users with reliable credit services.

Ant, please.

Ant borrowing is a loan service launched by Alipay. At present, the application threshold is sesame score of 600 or above. 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.

petty loan

"Micro-loan" is a pure online personal micro-credit revolving consumer loan product launched by Tencent Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September. "Micro-loan" adopts the user invitation system. At present, invited users can see the entrance of "micro-loan" in QQ wallet of mobile phone QQ and WeChat wallet of WeChat, and can get a loan amount of up to 300,000 yuan.

JD.COM gold bars

JD.COM Gold Bar is a cash lending service tailored for users with good credit. JD.COM gold bar is a credit loan product. Whether it can be opened depends on the comprehensive evaluation of the system. At present, active application for opening is not supported. If the page shows "Can't provide service for you" after clicking on the gold bar entrance, it means that the gold bar cannot be opened for the time being.

Second, what platform is good for loans?

How much do you need and what qualifications do you have?

Third, what loan is the easiest to do?

Agricultural Bank, Industrial and Commercial Bank, Bank of Communications and China Construction Bank are relatively easy.

1, Agricultural Bank:

Agricultural Bank of China has branches all over the country, becoming a large modern commercial bank with the largest number of branches and the widest business scope in China. The loan business includes: absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic and international settlement;

Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds and to buy and sell foreign exchange; Providing letter of credit services and guarantees; Agency payment and insurance agency business, etc.

2. ICBC:

The basic task of China Industrial and Commercial Bank is to support the economic construction services of the enterprise-producing countries by strengthening the management of domestic and foreign credit funds in accordance with national laws and regulations.

As a retail bank, China Industrial and Commercial Bank insisted on rapid business innovation and improved customer service, and was rated as the best country in China by Singapore's Asian Banker magazine.

3. Bank of Communications:

Bank of Communications is the main financial service business in China, covering commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services. There are 235 domestic branches of Bank of Communications, including 30 provincial branches, 7 directly affiliated branches and 99 provincial branches/KLOC-0, which are distributed in 239 cities at or above the prefecture level.

158 county or county-level city * * 3270 business outlets; It owns 7 non-bank companies including Bank of Communications Insurance, Bank of Communications Investment and its subsidiary Bank of Communications Fund and Bank of Communications Shares.

4. China Construction Bank:

It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business. It has branches and subsidiaries in 29 countries and regions, including funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.

5. Shanghai Pudong Development Bank:

The main business of Shanghai Pudong Development Bank includes absorbing public deposits, issuing short-term, medium-term and long-term loans, issuing financial bonds, government bonds, buying and selling government bonds, interbank lending, providing letter of credit services and pension services, cash management, asset custody and offshore bank.

Matters needing attention in loan:

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. The loan amount applied for reaches 50% of the total income of the court;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.

9. When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area and ask for an office card at the account office); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.