The following lending platforms have lower interest rates:
First, Qianhua: Qianhua is a credit service product under Baidu, which has a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 200,000 yuan, 1 10,000 yuan loan 1 annual average daily interest 1. 1 yuan. The better the credit, the lower the interest rate.
Second, Lending Bao: Lending Bao is a pure credit loan product launched by Alipay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users. Ordinary users can only apply for opening if the sesame score is above 600. According to sesame score, the loan amount is10-300,000, the lowest daily interest rate is 0.02%, and the loan term is 12. It has always been a conscience loan.
3. Return: Shanghai Jihe Information Technology was established on 20 15 and returned the products on 20 16. The major shareholder is Focus Media listed company (stock code: 002027), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.
4. Micro-loan: Weizhong Bank is the first Internet bank under Tencent. Its products include micro-loan and micro-car loan, and it is committed to providing fast financial services for small businesses and individual consumer groups.
Verb (abbreviation of verb) Paipai Loan: Paipai Loan was established in 2007 and is a p2p financial platform listed on the New York Stock Exchange. Auction loan products are mainly divided into batch bidding and rainbow bidding. At present, credit loans are provided to users, with a maximum loan amount of 200,000 yuan and a monthly loan interest rate of about 1%. Users can choose appropriate loan products according to their own needs.
Which platform has the lowest and most reliable loan interest?
The following platforms have low interest rates and are more reliable:
1, money to spend: a well-known lending platform, not many degrees, you may not know! But you must know Baidu, so I won't say much here! Formerly called "Baidu has money to spend", the existence of T 1 team level is reliable!
2. Paipai Loan: the first P2P peer-to-peer lending platform in China and a personal credit online lending platform. At present, China Merchants Bank provides a fund depository system for auction loans. The purpose of its establishment is to provide a safer and more efficient platform to make the lending behavior between individuals more standardized, safe and effective.
3. Borrowing: As long as the sesame credit score is above 600, you can apply for the loan service launched by Alipay.
4. Micro-loan: In addition to Alipay's ant loan, the most recommended is micro-loan, which is very suitable for young people now, because it has brought convenience to hundreds of millions of people through the most commonly used WeChat official account.
5, 360 loan: backed by Qihoo 360, it has a high reputation. Security itself is to do network information security. In terms of big data, there are also many precipitates.
Which loan platform has low interest?
Here are three formal lending platforms with relatively low interest rates.
1, the degree is small and complete.
Its rich flowers
2. Microfinance under Weizhong Bank
3. Ant Financial Services
Borrow from oneself
In terms of interest rates, there is almost no difference between money, loans and small loans, and the daily interest rates are almost the same.
In the range of 0.02%~0.05% (annualized interest rate is 7.2%- 18%, annualized interest rate = daily interest rate ×360), the interest rate is low, and the interest is calculated on a daily basis, which supports borrowing and returning. But be careful not to be overdue, otherwise it will not only leave a stain on the credit record, but also have a high penalty interest of 1.5 times.
How to apply:
Have money to spend
You can download Xiaoman APP from official website and click Money to apply online. After the money is approved, you can receive the money in three minutes at the earliest. The better the credit, the higher the pass rate.
Applicants must be 18-55 years old, and they need to provide their second-generation ID card and debit card when applying. However, it should be noted that if you have money to spend, you will not provide loans for students to spend in installments.
petty loan
Micro-loans can only be opened by invitation. Micro-loans adopt the invitation system, requiring users to be heavy users of WeChat and QQ. It will be easier to open a Tenpay account, bind a credit card and open a micro-loan. Users who have not yet opened need to use WeChat to pay more while maintaining good credit habits.
You can enter WeChat, click "I" at the bottom of the interface, then click "Wallet" in the input option list, select the "micro-loan borrowing" option, and click Open.
borrow
Like small loans, the opening of loans also requires invitations.
Invited users can search for loans in Alipay and enter the loan interface to check their own quotas and interest rates. Uninvited users can't see the loan amount and interest rate. And borrow the real-name registration system and associate it with Sesame Credit. The more perfect the personal information, the higher the sesame credit score. When the sesame credit score exceeds 600, the greater your Alipay flow and the more Yu 'ebao deposits, the greater the possibility of opening a loan.
Maximum loan time:
Spending time: 24 months
Microfinance: 20 months
Borrowing: 12 months
Get credit information:
Money spent: connection
petty loan
: Connected
Excuse me: connection.
Is there a grace period:
Spending time: 3 days
Microfinance: 3 days
Excuse me: there is no grace period.
There is a three-day grace period for rich flowers and micro-loans, which means that the repayment within the grace period is not overdue. There is no grace period for borrowing, so you must remember to repay on time on the repayment date, otherwise there will be credit stains.
Penalty interest for overdue repayment:
Spending money: interest rate 1.5 times overdue fee.
Micro-loan: interest rate 1.5 times overdue fee.
Borrow: interest rate 1.5 times overdue fee.
Prepayment fee:
Spend money: there is no handling fee
Small loan: no handling fee.
Borrow it: no handling fee.
All three are lending products of BAT, which can be used with confidence, and there will be no routine loans.
, violent collection and other issues, and the interest rate is low, everyone can choose according to their own preferences.
Please click to enter the picture description (maximum 18 words).
Which platform has low loan interest?
Here are a few platforms that are easy to pass with low interest in loan forms. It is recommended to choose carefully:
1 and 360 IOUs are personal and microfinance platforms under the umbrella of Fuzhou Sanliuling Network Co., Ltd. Relying on the advanced Internet security technology and big data technology of 360 Technology Group, and based on massive user credit data and behavior data, it is committed to improving the domestic personal credit information system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient consumer loan financial services for all social groups with financing needs. Borrow from 500 yuan, up to 200,000 yuan, and cash will arrive in seconds. The daily interest rate of the loan is at least 0.027%, and the daily interest rate of 1 0,000 yuan is only 27 cents.
2. The province is developed and operated by Shenzhen Samoyed Internet Financial Services Co., Ltd., and insists on "not doing" as the product bottom line, providing high-quality and low-interest billing installment services for young people. Sources of funds: Yin Bei Consumer Finance, Harbin Consumer Finance, Zhongbang Bank, Haier Consumer Finance, CITIC baixin bank, etc. We will recommend appropriate formal financial institutions to provide loan lines according to your personal situation, so as to make safe funds more secure!
3. Zhongan Small Loan is an unsecured pure online consumer credit platform launched by Chongqing Zhongan Co., Ltd., focusing on providing instant loan services for individuals and small and micro business owners. Based on mature and professional risk control ability, the overall evaluation of customer credit is carried out. The upper limit of three-step loan is as high as 200 thousand, and the loan is released within 5 seconds on average.
4. "Qianhua" is the brand of Xiaoman's financial credit service. It uses artificial intelligence and big data risk control technology to provide users with convenient, fast and safe loan services. 1. High loan amount: the maximum loan amount can reach 200,000 yuan (subject to actual approval). 2. Fast loan approval: online application, quick approval and quick receipt. 3. Transparent interest rate and flexible repayment: the daily interest rate of the loan starts from 0.02%, and various repayment channels are supported.
5. Staged music is a staged consumption platform under Lexin, which advocates young people's moderate consumption. With products and services that are more understanding of young people, more secure and warmer, it has become a reliable choice for 654.38 billion users to shop by stages. Shopping by installment: China Bank is authentic, and the quality is guaranteed. High-quality experience: the installment period is flexible, and credit cards can be supported. Safety: Bank-level risk control team escorts. Anxin loan: the cost is transparent, and the comprehensive annualized cost is as low as 10%.
6, JD.COM gold bar loan service, moderate consumption to open credit life. JD.COM Gold Bar is a cash lending service tailored for users with good credit in JD.COM. The maximum loan is 200,000 yuan, and the daily interest rate is about 0.05% with reference to the daily interest rate (annual interest rate 18.25%). It usually takes 30 minutes to receive it.
7. Lexiang Loan provides users with professional, intelligent, safe and convenient cash loans. You can complete the loan application online with your ID card, and the loan can be released in 5 minutes at the earliest! According to the actual situation of users, provide a loan line of 20W! The daily interest rate is as low as 0.02%.
The introduction of low interest on platform loans ends here.