Reliable loan platforms include Yin Bei Consumer E-Point Loan, Flower Borrowing, Jacquard, Flower Appreciation, Doudou Money, Money Flower, Ant Lending, Weizhong Bank Micro-Loan, JD.COM Gold Bar, etc.
Reliable loan platform
1, Yin Bei Consumer E-point Loan: This product was launched by Yin Bei Consumer Finance Platform, and it is a credit information product. The credit line is between 1, 000-50,000 yuan, and the loan period is 3- 12 months. Remember to pay back on time, otherwise your personal credit will be affected.
2. Borrowing flowers: loan products under Ctrip Finance, with a credit line of 500,000-200,000 and a loan term of 1- 12 months. The application conditions are: Chinese mainland residents aged 22-55, who can submit basic information such as ID cards when applying.
3. Withdrawal: Zhongyuan consumer finance loan product, with a credit line of 1 0,000-200,000 and a loan term of1-0/2 months. The application conditions are: 18-55 years old, with good credit information and no criminal record.
If there is demand, recommend Xiaoman Finance under Baidu Finance. The company is licensed to operate formally in industrial and commercial registration and Chongqing, and cooperates with licensed financial institutions such as regular banks and consumer finance companies to provide services.
Interest expense is open and transparent, and there is no hidden charge. The minimum daily interest rate is 0.02%, and the annualized interest rate is 7.2%. The maximum amount is 200,000, and it will be received in 3 minutes at the earliest. The actual interest rate is determined by the system according to the comprehensive situation of users, and the pricing is differentiated.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
In order to provide better services, the borrowing funds mainly come from licensed financial institutions such as regular banks, companies and consumer finance companies, such as Agricultural Bank of China, Postal Savings Bank, China Everbright Bank, Minsheng Bank, Huaxia Bank, Bohai Bank, Bank of Beijing, Guangzhou Bank, China Post Consumer Finance and Yin Bei Consumer Finance.
4, entitled flowers: unsecured credit loans, the fastest 10 minutes can be received. The credit line is between 30 million and 200,000, and the loan period is 6- 12 months. The application conditions require users to be 22-55 years old and have full capacity for civil conduct. Required information: ID card, mobile phone number and savings card binding.
5. Doudou Money: The user is required to be 20-50 years old, and his mobile phone number in the real-name registration system has been used for 5 months, with a credit line of 30,000-50,000 yuan and a term of 3-24 months.
What are the top ten formal lending platforms?
The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, Jingdong Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.
The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.
1. Money to spend: Xiaoman Financial's credit products are formal and reliable lending platforms, among which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.
2. Credit loan
The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.
If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
What are the formal loan platforms?
There are still many formal loan platforms, and here are only three.
First, there is money to spend.
Qianhua is a credit service brand owned by Du Xiaoman, which can provide loan services for individual consumers and small and micro business owners, and is the choice of many small and micro business owners.
Users whose age and information meet the requirements can try to apply for money in Xiaoman APP. When applying for the quota, the system will evaluate it according to your comprehensive situation, and then give the specific quota and the corresponding interest rate. If you feel that the interest rate you apply for is acceptable, you can try to apply for a loan.
Second, sorry.
Borrowing is a consumer credit loan product in Alipay. Users can apply for a loan directly through Alipay, find the loan on Alipay My page, and then try to apply for opening according to the page prompts.
Third, micro-credit loans.
Micro-loan is a credit product of Weizhong Bank. At present, there are two application channels: WeChat and mobile QQ. Take WeChat as an example. As long as we can find the words "micro-loan to borrow money" on our service page, we can try to apply for opening, and the system will review it. Users who can successfully open and get a quota can try to apply for a loan.
The application methods of these three platforms are still quite similar. We just need to find the product entrance in the corresponding app, click enter, read the agreement according to the prompts and agree to open it, and then we can try to apply for the quota. Users who get the quota can try to apply for a loan.
What kind of lending platform is formal?
National formal platform loans: Ant Loan, Micro Loan, Instant Consumer Finance, JD.COM Gold Bar and Ping An Hewlett-Packard Loan.
1, borrowed by ants.
Ant Borrowing is the loan service of Ant Financial Service launched by Alipay. At present, ant borrowing is only open to users with sesame score above 600, and the specific amount and interest rate of ant borrowing are also closely related to sesame score. The higher the sesame score, the easier it is for users to get loans. The maximum loan amount is 300,000 yuan, and the interest rate is generally low.
In addition, users who often use ants to borrow money will have a higher quota and lower interest. At present, ants borrow it and use it to pay it back, with a minimum daily interest of one ten thousandth.
2. Microfinance.
Micro-loan is a pure online micro-credit revolving consumer loan product launched by Weizhong Bank, Tencent's first internet bank in China, for QQ users and WeChat users. Launched on 20 15.
Micro-loan adopts invitation system, and only invited users are eligible to use micro-loan. Micro-loans provide users with a loan amount of up to 300,000 yuan, and also adopt the method of daily interest, with a minimum daily interest of 1.5%.
3. Consumer finance immediately.
Instant Consumer Finance is a licensed consumer finance institution approved by China Banking and Insurance Regulatory Commission. At present, it has two products: instant installment and comfortable flower, covering two major consumer finance fields: consumption installment and cash installment. At present, consumer finance provides users with a loan amount of up to 200,000 yuan, and the application conditions are relatively low. You only need to provide the corresponding income proof to apply.
What are the more formal online lending platforms?
Reliable loan platforms include: Ant Lending, JD.COM Gold Bar and Xiaoman Finance.
1, ants borrow it:
Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their journey to the Internet through the "Internet Propeller Plan" and providing inclusive finance services for small and micro enterprises and individual consumers.
Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. 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.
At present, the consumer loans issued by e-commerce giants are mainly aimed at the staged consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios are also starting.
2.JD.COM gold bars:
As a sub-brand of digital technology in JD.COM, JD Finance includes personal finance, corporate finance, financial technology and other sectors, and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs and increase revenue, and working with financial institutions to better serve individuals and corporate users.