Many modern people will consume in advance and will buy even if they have no money. There are many loan platforms on the market. If borrowers want to avoid being cheated, they must choose a formal platform to borrow money. So what are the formal lending platforms? Here, we have compiled the top ten online loans, all of which have low thresholds and fast payments.

1. Ant Borrowing

The earliest credit loan on Alipay, with a maximum limit of 200,000, is provided by Ant Consumer Finance. If you have an Alipay real-name registration system account and have a Sesame score of 600 or more, you will have the opportunity to open it. When borrowing money, pay attention to the limit. The maximum amount of a single loan can be RMB 40,000. If the borrower's limit is more than 40,000 yuan, you will need to make multiple loans, and each loan will need to be re-examined.

2. JD Gold Bars

JD Finance’s online loan products do not require mortgage guarantees. If you meet the conditions and get system credit, you can get a loan. Under normal circumstances, you can apply at any time 24 hours a day. Basically the system automatically reviews and you rarely need to call back. Basically, you can get the money the same day you borrow it.

3.360 IOU

It is also one of the top ten online loans and is operated by 360 Digital Branch. The 360 ??big data is used to review and evaluate the borrower's comprehensive credit situation. The borrower has good credit, stable repayment ability, and easier repayment, up to 300,000, which can meet the large capital needs of many people.

4. Weilidai

The credit loan launched by WeBank does not have a separate APP and can only be borrowed through mobile QQ or WeChat. If borrowing money on WeChat, the borrower should look in the WeChat wallet to see if there is the word "WeChat Loan". If you have any questions, just click in to apply for a credit limit, and you can get a loan only after passing the system's credit approval. Get results within minutes of submitting your application.

5. An Yihua

The credit loan products of Instant Consumer Finance are also among the top ten lending platforms. The borrower is aged 18-55 years old, has a stable income, and has good personal credit. After completing the real-name authentication, they can apply to borrow money if they have a quota. However, because the daily loan quota is limited, they can only withdraw cash if they grab the quota.

6. Meituan borrows money

Pure credit loans on the Meituan APP are provided by cooperative licensed financial institutions, with a maximum limit of 500,000. Users who frequently use Meituan accounts and are highly active must apply for a quota before they can borrow money. Everyone has different qualifications and different amounts. After borrowing money, the system will automatically approve it, and you will know the result within a few minutes.

7. Zhaolianhao Futures

For the loan products launched by China United Consumer Finance, formal licensed institutions will not follow routines, the interest rates are within the scope of legal protection, and they can provide borrowers with Loan amount of 20,000-200,000. One-time credit can be revolving, and each loan needs to be reviewed again. Once approved, the bank card will be loaned immediately without waiting.

8. Borrow money on Weibo

Weibo’s formal online loan platform is also provided by licensed financial institutions. Borrowing money does not require collateral. As long as the borrower reaches the age limit and has no problems with credit and repayment, he or she can borrow money after obtaining system credit. The better the qualifications, the easier it is to pass and the faster the payment will be.

9. Rong e-Wallet

One of the formal online loan platforms, with high loan limit and fast disbursement, and it is also a form of unsecured loan. Borrowers’ credit will be evaluated when they apply. Mainland Chinese residents aged 22-55 can get a loan as long as they have good credit, stable income, and provide ID card + mobile phone number + savings card.

10. Zhongyuan Consumer Finance

The online loan platform of a licensed financial institution can provide 100,000-200,000. Because it is differentiated credit, different borrowers receive different loan amounts. After submitting the loan application, the system will automatically approve the loan. Please note that the mobile phone number and ID card home address are not available in Hong Kong, Macao, Taiwan, Tibet, Xinjiang, Guangxi and other places.