The most convenient way to borrow money now is to apply for online loans. Considering the repayment pressure, many people prefer a loan platform that can repay the principal and interest in installments. In fact, there are many such platforms now, and the key is to borrow money from regular platforms. So, which loan platform can pay interest in installments now? 1. The credit loan launched by Xiaoman Finance can be repaid in up to 24 months, and the daily interest rate is as low as 0.02%. It is a lending platform with low interest rate and long term. (Click the official calculation) Borrowers with age 18~55, good credit and stable income can try it, and only need to provide their valid ID card and bank card registered in the real-name registration system. 2, 58 Easy Loan Non-22 to 50-year-old students, have repayment ability, and friends with good credit can try 58 Easy Loan. As a credit loan launched by 58 Finance, the interest rate of 58 Easy Loan is still relatively low, which can be divided into 12 periods at the longest, and the daily interest rate is as low as 0.04%. If you borrow 10,000 yuan a day, you only need 4 yuan interest. The information you need to provide is your mobile phone number, ID card and bank card. I had business turnover needs before, and I used several small loan products. The first time I applied for a small loan with money (formerly Baidu Finance), the amount 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 there is no charge for the application process and the whole process of receipt. Xiaoman-the second batch of rich flowers (click online measurement). Xiaoman-rich flowers, special attention: 1. If you have money, you should withdraw it as soon as possible, because the amount may become invalid after a long time. 2. It's best to withdraw cash in full, because I read other people's posts that if you mention too little, 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. It is safer to quit at least 60%. After the third installment, you can choose to settle in advance. We won't lose anything by paying interest as long as possible. Let's make sure it's brought up 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 similar to the money spent. 30 IOUs, with a maximum loan of 200,000! Clicking on the online measurement application 360 is also tricky. The amount that comes out after simply filling in the information at the beginning is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for an exclusive loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the exclusive loan will definitely pass and the quota will be greatly increased. Exclusive loans support 24 issues. My basic limit is 9000 yuan, which is 5.5W after upgrading and enjoying the loan. 3. Raise term loans. The credit loan launched by Zhaolian Finance is unsecured, with low threshold and low interest rate. The repayment can be made in 24 installments at the longest, and the daily interest rate is as low as 0.03%, and the daily interest is 65438+3 yuan RMB 0,000. In addition to being 22 to 55 years old, you have to score more than 600 sesame seeds. Only by providing your own real-name registration system, mobile phone number, bank card and ID card to complete the authentication can you get a loan.
How to use ID card for loan?
The ID card is a document that every citizen of China needs. Anyone can use it to prove that he is a legal citizen. However, according to national regulations, only teenagers who have reached the age of 18 can apply for identity cards. In daily life, people need to use their ID cards for some legal activities, and some people also use them to make loans. How can they get a loan with their ID cards? Next, let's take a look at Bian Xiao!
How to use ID card for loan?
There are two kinds of official ID cards:
1, credit loan
The essence of some personal identity cards is that there is no mortgage credit loan. Therefore, if you use an ID card for a loan, then an ID card becomes a necessary condition. At the same time, the applicant is required to provide a series of materials such as work certificate, residence certificate and income certificate. Loans with ID cards have become very common in the market. Bank products include Pudong Development Bank Puyin Point Loan, China Construction Bank Express Loan, ICBC Easy Loan, Ping An Bank New Loan and China Merchants Bank Flash Loan. There is also a loan business that can be conducted online. Products can support Xiaomi loan, Alipay loan, JD.COM gold bar and WeChat micro-loan. Usually, these loan products can be downloaded from mobile phones and applied directly.
2. Guaranteed loan
There are also some personal ID cards to guarantee loans. This kind of loan materials are less, but the requirements for the guarantor will be higher. It is necessary to ensure that people have a stable income or a fixed occupation, which will be more secure. You also need the identity certificate of the guarantor. Only when a qualified guarantor is willing to guarantee for you can you get a loan. Such loans can be submitted directly to small loan companies or banks.
Bian Xiao concluded: The above content is about how to use ID card for loan. I hope I can help you. I believe that through the above content, you will know more about the details of using ID card loans. If there is demand in the future, you can refer to it.
What are the bank ID card credit loans?
Now, banks can provide more and more loan products for everyone. So, what bank can borrow money with ID card? Here are four good bank ID loan products.
1, lightning loan from China Merchants Bank
China Merchants Bank's lightning loan is an ID card loan product, with a maximum loan of 500,000 yuan and a daily interest rate of 0.42%, and it only takes a few simple steps, and the fastest loan can be made at 1 minute.
2. CCB Express Loan
The maximum amount of quick loan for CCB is 50,000 yuan. As long as they are CCB customers, they can apply for mortgage or deposit in CCB. China Construction Bank's fast loan 1 1,000 yuan, the annual interest rate is only 7.2%.
3. Zhejiang Credit
Zheshang Credit is an ID card loan of Zheshang Bank, with a maximum amount of 6,543.8+0,000 yuan, which can be repaid with the loan below 300,000 yuan, with a maximum term of 3 years and flexible repayment methods.
4. Financing electronic loans
Ronge loan is an ID card loan product of ICBC, and the main application channels are online banking and mobile banking. The loan interest rate of Rong E Loan is generally 6.525%, the maximum amount is 800,000 yuan, and the longest term is 5 years.
Which formal loan platform can use ID card?
The formal platforms that can use ID cards for loans are: online business loans, loan treasures, micro-loans and small loans.
The online merchant bank is an internet bank initiated by Ant Financial as the major shareholder. The repayment period of Alipay online merchant loan is calculated from the loan date, and the repayment date of each month is also the same as the loan date. Users must pay the full repayment amount of the current month in Alipay on the repayment date, so as to avoid bad credit records caused by insufficient balance.
Borrowing is a pure credit consumer loan product in Alipay. When you enter Alipay, click My to find the loan. After entering Alipay, you can apply for the loan amount according to the page prompts. Whether it can be opened depends on the display on your page. If the quota is successfully obtained, you can choose to borrow. After entering the loan amount and other information, the loan can be completed, and the system will review it to determine whether the loan is successful.
Micro-loan is an Internet micro-credit product launched by Weizhong Bank, which can be borrowed into a bound bank card. Micro-loans are opened through the official invitation system, and invited users can see micro-loan loans in the financial column of WeChat payment/service or mobile QQ wallet. If you want to be an invited user, the most basic requirement is to complete the real-name authentication of WeChat, and whether you can become an invited user afterwards depends on your page display. If you can see micro-loans, you can try to apply for opening and check the quota. The system will give you a specific amount and interest rate according to your personal comprehensive situation, and manual intervention is impossible.
Du Xiaoman Qianhua is a credit service brand under Du Xiaoman, and has launched different loan products. In addition to individual consumers, small and micro business owners can also apply for money loans on the Xiaoman APP. Non-school students aged between 18-55 can try to apply for money, and you need to provide your valid original second-generation ID card and your debit card during the application process. You need to apply for a credit line before applying for a loan. The system will review it separately. After the credit line application is approved, you can get the credit line, interest rate and other information, depending on the page where you have money to spend.
What software do you have to borrow money with your ID card?
Now there are many loans on the market that are very convenient, just need identification information and other proof. I'll introduce a few to you today to see if they are suitable.
I. 360 Peace of mind IOUs
360 IOU is a 360 financial unsecured pure credit ID card loan platform, which evaluates the credit of customers as a whole based on 360 big data and provides cash loans on this basis. The maximum loan amount is 20w, and the longest repayment period is one year.
Second, Baidu has money to spend.
Qianhua is a credit service product owned by Baidu, which has a good reputation and a relatively fast lending speed. Can meet the daily borrowing needs, borrowing is very convenient. Application conditions:1Baidu registered users between 8 and 55 years old; A stable job and good credit will make it easier to pass the exam.
Three. Ping' an I Dai
Ping An I Loan is one of the most popular mobile phone credit loans. Every day, countless people apply for this product, and they can get a loan by submitting simple information without mortgage guarantee. 3 minutes at the earliest. As long as there are places, you can review the results immediately after submitting the application, and there are few return visits. In order to avoid missing the review, it is recommended to keep the mobile phone on.
Fourth, Xinyi loans small loans.
Xinyi Loan Micro-loan is a product of Bank of China's consumer finance, which mainly provides office workers with micro-credit loans with simple application, fast payment and ultra-low threshold, and quickly solves the problem of personal funds. Don't be overdue, just provide identity authentication, mobile phone real-name authentication, contact person, bank information, residence information, work information, face recognition, personal basic information and so on.