Now, the Internet has affected every aspect of life. Many people choose to solve their own financial problems through online lending platforms. For many people who are short of money, the online lending platform is also a brand new world. Today, I will introduce you to five platforms.
Ping' an I Dai
The fastest review is 3 minutes, and the results can be reviewed almost immediately after the application is submitted. The daily interest rate of Ping An I loan is slightly different for everyone, as long as 18 years old or above, has a stable job, has a salary of more than 3,000 yuan, has worked for at least 6 months, and has good credit information.
petty loan
The mobile phone credit loan of Tencent's Weizhong Bank can only be imported if it meets the conditions for opening micro-loans. The maximum amount is 300,000 yuan, and the loan interest calculated at the daily interest rate is about 18%.
360 IOUs
The loanable amount is as high as 0.2 million/200 thousand, the longest term is no more than 12 months, and the daily interest rate of the loan is low enough to be converted into annual interest rate. In order to meet the needs, the borrower must be 18 years old and have good personal credit, and can use loans to support repayment.
Kuaiyihua
An old platform owned by Wanda Finance has many applicants. Anyone aged 20-60 can apply. The minimum daily loan amount at the loan interest rate is between 1, 000-50,000 yuan. Grab the quantity every day and choose the right time.
Wan e Dai
The mobile loan APP under Wanda Pratt & Whitney will be approved within 3 minutes at the earliest after submitting the application, and no later than 24 hours. You can apply as long as you are over 18 (inclusive) and have a stable job and income source.
Is the salary and loan platform released by Post Bar reliable?
Not reliable.
An ID card can only be bound to one mobile phone number. If you have registered real-name authentication on this platform before, even if you change your number, you can't query and authenticate the new account, and you can't get the loan step at all.
If you need a loan, it is recommended to go through formal channels and complete it through the bank. Even if some platforms lend money, the interest rate will be particularly high, which will have a lot of bad effects on borrowers.
How much can I borrow with a monthly salary of 3000? These platforms can reach tens of thousands!
Very popular with office workers, many friends will choose this kind of loan when they need money. A friend who had the first loan asked, how much can I borrow with a monthly salary of 3000? Here are some related contents for your reference.
The maximum loan amount of the platform is different. Under normal circumstances, the initial amount of the platform to the borrower is relatively low. For office workers with a monthly salary of 3,000 yuan, on some platforms, an initial quota of up to tens of thousands of yuan can be obtained. Here I will introduce several loan platforms with relatively large quotas.
give it back to me
For friends who need to repay credit card loans, you can consider paying them back. Repayment can provide you with a loan of 3,000-30,000 yuan, the longest term 12 months, and the loan with the lowest monthly interest rate is mainly used to pay off credit card bills.
Doudouqian
Doudou Money is a platform, with a maximum of 30,000 yuan, a term of 3- 12 months, and a monthly interest rate of 0 interest for repayment within seven days. According to the actual measurement, office workers with a monthly salary of 3,000 yuan can borrow about 1 10,000 yuan, and the amount will gradually increase in the later period.
Countdown loan
Countdown loan is a platform for office workers. The maximum is 50,000 yuan, and the maximum term is 24 months. The minimum monthly interest rate is that the platform requires the borrower to be 22 years old, have a credit card under his name, and score more than 600 points.
Which bank is good for wage loan?
CCB's fast loan, the credit loan provided by CCB's behavior became fast loan. If you are a quality customer of CCB, you have mortgage, financial assets, deposits, etc. In CCB, you have the opportunity to obtain the credit line of CCB quick loan. Due to the low interest rate of CCB's fast loan, it is very suitable for wage earners. You don't need to go to the bank, you can apply directly at CCB's mobile banking or online banking.
Ii. ICBC Easy Loan If wage earners hold ICBC debit cards or credit cards, they can obtain loans through salary punching and asset guarantee, such as real estate, automobiles and financial assets under their names, which can greatly improve the success rate of applying for loans and reduce interest rates. ICBC Easy Loan can borrow up to 600,000 yuan with low annual interest rate, which is very suitable for office workers.
Third, China Merchants Bank's lightning loan, China Merchants Bank also has credit loans that are very suitable for wage earners. In recent years, lightning loans have been widely promoted. Those who meet the application conditions will be invited by SMS, or you can log in to China Merchants Bank's mobile banking, online banking public edition and professional edition, and select the "loan management"-"lightning loan" option to directly check whether they meet the application conditions.
Fourth, Ping An New Loan, a product specially designed by Ping An Bank for wage earners, can only be done by people with stable income, mainly based on monthly income.
To sum up, from the above, we can know that the loan platforms are relatively good, such as Zhaolian good-term loans and micro-loans, which are all loan platforms with high security, good reputation and many users. Better bank loans suitable for wage earners include CCB Express Loan, ICBC Easy Loan, China Merchants Bank Flash Loan and Ping An New Loan. These loan products are all good, and it is easy for wage earners to apply. If you have any other related questions, you can ask us. The wage loan of CITIC Bank is better.
Fifth, CITIC Bank's salary loan is called Xinjinbao, which is a cash loan product specially designed for office workers with stable jobs and incomes. The maximum loan is 300,000 yuan, and the term is 12 to 36 months. The application conditions are as follows: the applicant is at least 23 years old and not more than 60 years old; There are nearly six months' salary punch cards; The average monthly income is about 3,000 to 5,000 yuan;
6. Have a good credit record.
Which platform is better?
State-recognized 10 official online loan, top ten conscience loan platforms:
The top ten conscience loan platforms are all selected by network data, and it cannot be said which product is better. Different loan platforms have different application conditions and audit standards, and it can only be said that the one suitable for users is the best. Moreover, according to different selection criteria, the ranking of the top ten conscience loan platforms will change, and even the product names of the top ten conscience loan platforms on different websites are different.
Zhongan Small Loan: It can provide 300,000-200,000 credit loans to mainland residents aged 22-55, with the longest term of 12 months and the annualized interest rate as low as 7.2%. After the mobile phone number of the real-name registration system is required to register and log in, I can complete face recognition authentication with my valid second-generation ID card, and I can get a loan after binding the bank quota, which can be approved in 5 seconds at the earliest.
Doudou money: pure credit loan, only open to non-student users aged 20-50. You need to submit an application form at the client, take a photo of your ID card, and bind the bank card to complete the authentication, so you can get a loan. The amount is 30-50,000 yuan, which can be borrowed for up to 24 months, and the monthly interest rate is 0.65%- 1.79%. The system will automatically review, and the loan can be released as soon as the same day.
CCB Express E-loan: CCB has many loan products, including financing E-loan, pledge E-loan, car E-loan, car E-loan and express E-loan. The lowest threshold is the American Express e-loan. As long as you do business in CCB (such as saving money, buying wealth management, national debt, funds, loans, paying wages, etc.). ), you will have the opportunity to get a quota of 65438+ for a period of one year.
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
Anyway, Baidu Finance supports free prepayment. If it is not needed in a few months, you can choose to settle in advance. It doesn't matter to us how long the interest will last. Make sure to mention it first.
My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.
The third is that Ping An Bank can borrow up to 500,000 yuan in new loans (fast loans)! 0 mortgage 0 guarantee: no guarantee is needed, only personal credit is needed, and the application threshold is low: you can apply for a monthly income of more than 4,000 yuan (provident fund, mortgage, and insurance policy are all available).
Ping An Xin Yi Dai Click Online Measurement