Here are three formal lending platforms with relatively low interest rates.

1, the degree is small and complete.

Its rich flowers

2. Microfinance under Weizhong Bank

3. Ant Financial Services

Borrow from oneself

In terms of interest rates, there is almost no difference between money, loans and small loans, and the daily interest rates are almost the same.

In the range of 0.02%~0.05% (annual-18%), the annualized interest rate is calculated on a daily basis, and it is supported to be repaid as you borrow. But be careful not to be overdue, otherwise it will not only leave a high penalty interest in the credit record.

How to apply:

Have money to spend

Official website can apply online if he has money. After the money is approved, you can receive the money in three minutes at the earliest. The better the credit, the higher the pass rate.

Applicants must be between the ages of 18-55. When applying, they need to provide. It should be noted that if they have money to spend, they will not provide loans for students to spend in installments.

petty loan

Micro-loans can only be opened by invitation. If the micro-loan invitation requires users to use the closed respect cards of WeChat and QQ, it will be easier to open micro-loans. Users who have not yet opened need to use WeChat to pay more while maintaining good credit habits.

You can enter WeChat, click "I" at the bottom of the interface, then click "Borrow money from wallet" in the input option list, and then click "Hit".

borrow

Like small loans, the opening of loans also requires invitations.

Invited users can search for loans in Alipay and enter the loan interface to check their own quotas and interest rates. Uninvited users can't see the loan amount and interest rate. And borrow the real-name registration system and associate it with Sesame Credit. The better your personal information, the higher your driving skills. If the sesame credit score exceeds 6, the greater the moisture, the more deposits in Yu 'ebao.

Maximum loan time:

Spending time: 24 months

Microfinance: 20

Borrowing: 12 months

Get credit information:

Money spent: connection

petty loan

: Connected

Excuse me: connection.

Is there a grace period:

Spending time: 3 days

Microfinance: 3 days

Excuse me: there is no grace period.

There is a three-day grace period for rich flowers and micro-loans, which means that the repayment within the grace period is not overdue. There is no grace period for borrowing, so there must be a credit stain on the repayment date.

Penalty interest for overdue repayment:

Spending money: interest rate 1.5 times overdue fee.

Micro-loan: interest rate 1.5 times overdue fee.

Borrow: interest rate

Prepayment fee:

Spend money: there is no handling fee

Small loan: no handling fee.

Excuse me: there is no procedure.

All three are lending products of BAT, which can be used with confidence, and there will be no routine loans.

, violent collection and other issues, and the interest rate is low, everyone can choose according to their own preferences.

Second, which platform has a low interest rate on large loans?

Official guarantee platform with low loan interest:

1.360 Borrowing money

360 Finance is a pure credit mobile phone loan. In recent years, 360 began to set foot in the financial industry. This small loan APP is characterized by fast payment. If you need money badly, you are right to choose this product. However, the interest rate is on the high side, so you should calculate the fee before applying.

2. Raise term loans.

Zhao Hao Futures Loan is a loan platform of Zhaolian Finance, with a quota of less than 200,000. You don't need to provide mortgage and guarantee, you can apply for sesame seed points. The joint futures loan has the dual background of China Unicom and China Merchants Bank, and its reliability is still very high.

3.JD.COM gold bars

A product with the same name as Baijie is a cash loan service customized by Jingdong Finance, but not everyone has it. Only after passing the system evaluation can you apply. If the application conditions are not met, the page will display "I can't provide services for you".

If necessary, it is recommended to use a small amount-you have money to spend. Money is a platform for small loans. Money is the original Baidu finance. Backed by a licensed institution like Baidu, rich loan products are relatively more reliable.

3. What is the current interest rate ranking of bank certificates of deposit?

Answer: Jiujiang Bank, Shangrao Bank and Jiangxi Bank tied for the first place, reaching 3.45 in three years _ Postal Savings Bank ranked second, reaching 3.4% in three years, and ICBC reached 3. 1% in three years.

Fourth, which platform is reliable and the interest rate is low?

I suggest you choose formal channels, such as banking channels.

If you have our one-card card, you can log in to mobile banking, click My-All-Loan-I want a loan, and try to apply for a "lightning loan" through this interface. The maximum loan amount of "lightning loan" is 300,000 yuan, and the minimum loan amount is 1 1,000 yuan; Your specific limit will be verified according to your business situation in our bank. You can check it after your application is successful.