Which loan platforms have the lowest interest rates?

The lowest interest rate recommendation on the platform:

1. Weilidai: Weilidai is the first Internet microfinance product of Tencent WeBank, with a loan amount between 2,000 and 200,000. During the period, the borrowing interest is 0.05% daily, and the annualized interest is about 18%.

2. Jiebei: Jiebei is a loan launched by Alipay, as long as the sesame score is above 600. Depending on the score, the loan amount that users can apply for ranges from 1,000 to 50,000 yuan. The maximum repayment period of Borrowing is 12 months, and the daily interest rate of the loan is 0.045%. You can repay as you borrow.

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.

3. Youqianhua: Youqianhua is a small loan product under the original Baidu Finance. Users can find it by searching for "Youqianhua" in the mobile app store. After downloading, users will find that there are many loan products available in Youqianhuali, such as small-term loans with low thresholds, and the daily interest rate is as low as 0.02%.

4. eDiandai: eDiandai is a small loan under Beijing Bank Consumer Finance. Currently, the maximum credit limit that users can apply for is 50,000 yuan, and the minimum borrowing amount is 1,000 yuan. The lowest annual interest rate of e-dian loan is 10.8%. You can apply purely online and the quota can be used repeatedly. After the user submits the loan application, the loan can be completed in as little as 5 minutes.

5. CMB Flash Loan: Flash loan is a mobile loan software launched by China Merchants Bank, targeting high-quality customers with CMB One Card, with a limit of RMB 0.1-500,000 and a daily interest rate of 0.042%.

Among them, the daily interest rates of Weilidai, Jiebei and China Merchants Bank’s Flash Loans are all less than 0.05%! If you need to apply for a loan, you can first check whether there are any fees, and then evaluate which loan platform better meets your requirements.

Which lending platform has the lowest interest rate

The following lending platforms have very low interest rates:

1. Youqianhua: Youqianhua is a credit product under Baidu The service products have always had a good reputation and the lending speed is relatively fast. 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.

Which platform has the lowest interest rate and is the most reliable?

The following platforms have very low interest rates and are very reliable:

1. Have money to spend: Du Xiaoman’s well-known lending platform , you may not know Du Xiaoman! But you must know Baidu, so I won’t go into details here! This relationship was previously called "Baidu has money to spend". The existence of T1 team level is reliable!

2. Paipaidai: It is my country’s first P2P online lending platform and an online personal credit lending platform. Currently, China Merchants Bank provides the capital depository system for Paipaidai.

The purpose of its creation is to provide a safer and more efficient platform to make individual-to-individual lending behavior more standardized, safe and effective.

3. Borrowing: For the loan service launched by Alipay, you can apply as long as your Zhima credit score is above 600 points.

4. Weilidai: In addition to Alipay’s Ant Borrowing, the most recommended one is Weilidai. It is very suitable for today’s young people because it uses WeChat public accounts, which are most commonly used by everyone. The entrance brings convenience to hundreds of millions of people.

5. 360 IOU: Backed by Qihoo 360, it is well-known. In terms of security, it is engaged in network information security. It also has a lot of experience in big data.

What loans have the lowest interest rates?

There are three main types of loans with the lowest interest rates:

1. Mortgage loans. Because the borrower can provide collateral with a certain value, the risk of loan overdue and capital loss can be greatly reduced, so the interest rate will also be reduced.

2. Provident fund loan. Provident fund loans are essentially welfare loans, and the interest rates are usually much lower than ordinary bank loan interest rates. Of course, the threshold for applying for a provident fund loan is relatively high, and various conditions need to be met.

3. Bank credit loan

The interest rate of bank credit loan floats on the benchmark interest rate stipulated by the state. It may rise or fall. There are many factors that affect it, and the regulations of each bank are also different, related to the purpose of the loan, the nature of the loan, the loan term, the loan policy, the different lending banks, etc. But relatively speaking, the interest rates are generally not very high. The interest rate of bank credit loans floats on the benchmark interest rate prescribed by the state. It may rise or fall. There are many factors that affect it, and the regulations of each bank are also different, related to the purpose of the loan, the nature of the loan, the loan term, the loan policy, the different lending banks, etc. But relatively speaking, the interest rates are generally not very high.

The loan with the lowest interest rate

The loan interest calculation formula is as follows:

1. If interest is calculated, then the loan interest calculation formula is: Loan Interest = principal interest rate and loan period.

2. If the calculation is interest rate, then the calculation formula of loan interest rate is: loan interest rate = principal/interest rate borrowing period.

The actual execution interest rate of each bank will fluctuate. Please refer to the actual transaction interest rate for details.

2. Which bank has the lowest interest rate for commercial loans?

Banks with low interest rates on commercial loans include Bank of China, China Construction Bank, Agricultural Bank of China and Industrial and Commercial Bank of China.

The latest data in 2021 shows that the mortgage interest rates of the four major state-owned banks are generally around 3.85%. For credit loans, the lowest loan interest rate is Bank of China, with the current loan interest rate being 2.6%. After that, ICBC will repay the principal and interest in equal amounts. You can choose an installment period of up to five years, and the loan interest rate is as low as 3%.

Note: The level of loan interest is also related to many factors such as the lender's personal comprehensive qualifications, the type of loan business applied for, the loan amount, the repayment method and the loan term.

2. How to get the lowest loan interest?

1. Amount ≤3W:

It is generally recommended to use a credit card to cash out, use Alipay’s Huabei, borrow bei When you get a loan, the interest rate is generally relatively low and it is convenient to use.

2. Amount ≤10W:

Guaranteed loans are good. You may be able to find a guarantor at the rural credit cooperative in your hometown. Credit companies all require someone to have worked for more than half a year or have a business license for one year, which is not possible for self-employed people who are just starting out.

3. Amount ≤ 50W

500,000 depends on how many years you want to pay it off, it can be one year, two years, three years, or five years. If there is collateral, it is recommended to apply for a mortgage loan. The interest rate of the mortgage loan will be lower than that of the credit loan. According to the purpose of the loan, it can be regarded as a consumer loan. The interest rate is more than 30% above the base interest rate. Of course, if you have an acquaintance, it can be less. The repayment method can be equal amounts of principal and interest, monthly interest repayment and annual principal repayment, or monthly interest repayment of principal at maturity. Banks generally prefer equal repayment of principal and interest. In view of the actual situation, it is recommended to apply for a mortgage consumer loan. The interest rate and repayment method can be discussed with the bank.

4. The amount is ≥100W

This is not easy to get a loan.

Which bank has the lowest interest rate for credit loans

The credit loan interest rates of large banks are similar. The interest rates you apply for vary according to personal conditions. The following banks with low credit loan interest rates are for reference:

1. CCB Quick Loan: CCB Quick Loan is also a personal credit loan product with a relatively low interest rate. It was previously as low as 4.35%, but the specific interest rate is based on the borrower’s credit, contribution, and other factors. Differentiated pricing is carried out by the system.

2. Bank of China: Bank of China e-Loan Credit Loan, the annual interest rate limit of the loan is 4.35%, and differentiated pricing is carried out with reference to the specific conditions of the lender;

3. Agricultural Bank of China: Internet Jiedai Credit Loan, the lowest annual interest rate for newly signed 1-year loans is between 4.35% and 4.5%. The interest rates vary in different regions, and differentiated pricing is also carried out based on the qualifications of the lender.

4. Postal Savings Loan-Youke Exclusive: Personal credit loan issued by the Postal Savings Bank, starting from 1,000 yuan, up to 200,000 yuan, with an annual interest rate of 4.35%-7.05%, based on the borrower's qualifications The comprehensive evaluation uses differentiated interest rates, which are subject to the interface display at the time of application.

Extended information:

1. The current benchmark interest rate for RMB loans is:

1. Short-term loans: within 6 months, interest rate 4.35, 6 months to 1 year (including one year), the interest rate is 4.35;

2. Medium and long-term loans: one to three years (including three years), the interest rate is 4.75; three to five years (including five years), the interest rate is 4.75; five years The above interest rate is 4.90;

Personal credit consumer loans can be raised by a certain percentage based on the base interest rate.

For credit loans, the rate of increase in interest rates is very large, usually by 20% or more. The interest rates for credit loans from some larger banks and some joint-stock commercial banks are also quite different. The annual interest rate of credit loans of some major banks can be controlled between 5% and 7%, while the interest rates of credit loans of joint-stock commercial banks are likely to be higher than 10%. The former has lower interest rates, but has higher requirements for credit and qualifications. The requirements for the latter will be lower, but still much stricter than those of non-bank lending institutions.