There are many online loans in the market, and each online loan platform has its own standards for the qualification evaluation of borrowers. In Alipay's loan service, the borrower's personal qualification can basically be reflected through sesame credit score. What are the online loans of pure sesame? These five models can be applied directly in Alipay!
What are the online loans of pure sesame?
1, Huaya borrows money
Huaya borrowing money is a hot personal micro-credit loan product at present. Huaya's borrowing money does not require high personal qualifications of users. As long as the user's personal credit information is not seriously tainted, you can try to apply for a loan.
2. Recruit good loans
Zhaolian Finance is a micro-loan product jointly launched by China Merchants Bank and China Unicom, which can provide users with a maximum amount of 200,000 yuan. Zhaolian Finance also has long-term cooperation with Alipay. Users with a sesame credit score of 600 or more can apply for a loan at Alipay.
3. Comfortable flowers
Anyihua can provide users with a credit line of up to 200,000 yuan, and borrowers can search for "Anyihua" in Alipay, where they can withdraw cash, spend money and borrow by installments. The borrower's Alipay account gets 600 points.
4. Personal loans
Personal loan is a small loan product provided by Alipay specifically for Taobao sellers. If you are not a Taobao seller, it is difficult to obtain a credit line. According to the official explanation of renren loan, the maximum amount of renren loan can be applied for is 654.38+10,000 yuan, and it can be repaid as you borrow, with a minimum annualized rate of five ten thousandths.
5. Online commercial loans
Online merchant loan was originally an ant micro-loan, which belongs to a platform of Ali. Users can directly search for "online business loans" in Alipay. The main service targets of online merchant loans are small and micro enterprises and individual entrepreneurs, which are mortgage-free and guarantee-free, and belong to pure credit loans.
The above is the related content sharing of "Pure Sesame Online Loan", and I hope it will help everyone!
What can sesame borrow?
You can use sesame as a platform for loan: letter flower, comfortable flower and good loan. Sesame scores above 600 are eligible to use the loan service, and sesame scores above 650 are eligible to use the reserve fund service. As for whether users can use the loan service or reserve fund service, they need to pass the comprehensive evaluation of Alipay, and manual intervention is not allowed. You can apply for a loan online only with your ID card, and the fastest loan is 1 minute, providing users with a credit line of up to 200,000 yuan. Some users who apply for long-term loans will receive a manual call back. Users need to keep their phones open. Lending treasure is a personal consumption-oriented loan service launched by Chongqing Ant Shangcheng Co., Ltd., a subsidiary of Ant Financial Services, which can meet the personal demand for funds. Loans provided by loans can be used for personal consumption, decoration, tourism, etc.
Alipay reserve fund is a small loan product based on users' sesame credit and comprehensive evaluation of users. The evaluation criteria for opening the reserve fund are determined by the system, and manual intervention is not allowed. The reserve fund can be withdrawn twice a month, and can be withdrawn again after it is returned, excluding interest and expenses.
Sesame score is only one of the reference data of the loan platform. Sesame points meet the requirements of the loan platform, but other conditions do not meet the requirements of the loan platform, so loans cannot be made.
1, Sesame Credit, an independent third-party credit reporting agency under Ant Financial, objectively presents personal credit status through technologies such as cloud computing and machine learning, and has provided credit services to users and merchants in hundreds of scenarios such as credit cards, consumer finance, financial leasing, hotels, renting houses, tourism, marriage and love, classified information, student services and public services.
2. Sesame Credit will not collect personal information such as users' chats, text messages and phone calls, nor will it collect and track users' comments on social media. Even with the authorization of users, only the necessary and effective data of various dimensions related to economic credit evaluation are collected. Unless otherwise stipulated by laws and regulations, the collection, collation, processing and output of user information, whether it is Sesame Credit or a third-party cooperative organization, must be authorized by the user. Without the authorization of the user, neither Sesame Credit nor the partner can call the user's data.
3. All data are calculated by scientific scoring model, without manual contact. The system will also automatically desensitize sensitive data through operating rules.
What loans can sesame score 600 apply for?
1, Alipay Ant Borrow-up to 300,000 (600 points)
If the sesame score is not less than 600, you will have the opportunity to open an ant loan, with a maximum of 300,000 and a daily interest rate as low as 0.0 15%. The loan is automatically opened at the beginning of the loan period, and users cannot apply. Users who have opened Ant Lending can see their loan amount and loan interest rate, and the loan operation is very simple.
2. Call for a good term loan-the maximum amount is 200,000 (600 points).
With a sesame credit score of over 600 points, Alipay real-name users aged 265,438+0-50 can find this pit by searching for good loans on Alipay homepage or paying attention to Alipay life number.
After entering the interface, you can apply by filling in your personal information in the menu bar "I want"-"Apply", and the system will evaluate the matching amount according to your information and credit information. The loan amount can be recycled within 3 years, and the high sesame score has preferential interest rates.
3, Zhilian financial exotic flowers (600 points)
For college students' credit loan products, you can apply for sesame credit with 600 points, or you can apply with school information. There is no handling fee, and the interest rate is as low as 0.04%. The key is not to charge liquidated damages! No punishment! No punishment! On Alipay's homepage, just search for financial exotic flowers. Now engage in activities, interest-free coupons of 2000 yuan for three months.
Extended data
Matters needing attention
1. The loan shall be used in compliance.
If you are going to gamble and gamble, the bank will definitely avoid you. And if you use it for stock trading, futures trading and wealth management products, these banks are also not allowed.
2. The loan amount should be reasonable.
Be sure to make a budget before applying for a loan. The loan amount can be increased by 65,438+00% on the basis of the budget. Beyond this limit, you may have to pay for your irrationality.
3. Ask the total interest of the loan.
Zero interest rate ≠ zero interest, the two must not be confused. The so-called zero-interest loan products generally transfer interest to fees, guarantees and other items. After careful calculation, it is not necessarily cheap.
Excuse me, which platform can use sesame loan?
The following platforms can apply for loans through Sesame Branch, such as Anyihua, Xiaomi Loan and Qihua. However, sesame score is only one of the application conditions, which does not mean that users will be able to apply successfully if they have sesame score. You must meet the other conditions of the loan product and pass the audit of the lending institution before you can finally apply for a loan.
And the application conditions of these loan products include sesame seeds, which does not mean that Alipay has cooperation with these products.