1, borrowed by ants

Borrowing money 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 launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another.

2. Microfinance

"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.

"Micro-loan" adopts the user invitation system. At present, invited users can see the "micro-loan" entrance in both the "QQ Wallet" of mobile QQ and the "WeChat Wallet" of WeChat, and can get a maximum loan amount of 300,000 yuan.

3.JD.COM leucorrhea

“JD。 COM White Strip is an Internet consumer financial product, which refers to a brand-new payment method of "consumption first, payment later" introduced by JD.COM. You can enjoy the longest 30-day deferred payment period or the longest 24-installment payment method by using white bars to pay on JD.COM website, which is the first Internet consumer financial product in the industry.

Since then, "Baitiao" has also opened up O2O(JD.COM arrives at home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.

Precautions:

1. There is no charge before the loan.

Formal microfinance companies will not charge users any fees before lending, such as prepaid interest and loan deposit. Some lending institutions lure users with preferential interest rates by repaying in advance. Be careful when you meet such borrowers. They are basically scams.

2. The loan interest rate is stipulated.

The Law on Private Lending stipulates that the interest rate of small loans shall not exceed 24% of the annual interest rate in principle, and can be negotiated between 24% and 36%. More than 36% is not recognized by law and needs to be cautious.

3. The appraisal process is perfect.

Online microfinance platforms are mostly pure credit loans. When applying, the borrower needs to fill in the complete identity information on the Internet, so that the loan platform can conduct identity confirmation and qualification examination.