Everyone can get a loan in an emergency and then solve the urgent need, so borrowing has become a part of our life. However, most people don't know how to choose when borrowing money. Now let's introduce the top ten conscience loan platforms, namely Alipay, Du Xiaoman, Tencent, 360, Xiaomi Finance, Zhaolian Finance, Mashan Finance, JD.COM, 5 1 provident fund manager and installment music.
Introduction of Top Ten Loan Platforms
1, loans, consumption and online business loans through Alipay are all safe and reliable loan methods;
2. Du Xiaoman belongs to a loan platform owned by Baidu, mainly because he has money to spend and the loan is satisfactory. Their advantages are long installment time, low interest rate and relatively high loan amount;
3. Tencent's main business is micro-loan, but micro-loan belongs to the invitation system, and not everyone can use it;
The 360 loan of 4.360 is a more conscientious loan platform. As long as they are adults, they can borrow, and the loan amount is limited to less than 200,000;
5. Xiaomi Loan under Xiaomi Finance supports installment repayment and loan repayment;
6. China Merchants Finance's recruitment of good term loans is an old loan method and a formal platform for conscience;
7. Instant Finance's comfort flower is also very conscientious, and it is a formal platform for large companies to endorse;
8.JD。 COM's Jingdong Finance is also very conscientious, divided into white bars and gold bars, with different functions;
9.5 1 provident fund manager is mainly suitable for users who have paid the provident fund, and can provide provident fund, social security loans, and multi-release in the first instance;
10, installment music is also a loan platform and has a good reputation.
The above is the introduction of the top ten conscience loan platforms.
A low-threshold platform like staging music.
There are also: borrowing money, JD.COM IOUs, voluntary payment, micro-loans, spending money, etc.
1. Loan: Loan is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. 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. 2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.
2.JD.COM Baitiao: JD.COM Baitiao 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-month installment payment by using white bars on JD.COM website, which is the first Internet consumer finance 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.
3. Free payment: Free payment is a small consumer loan product launched by Suning Consumer Finance Co., Ltd., which provides consumers with consumer financial services such as unsecured, unsecured, 0 down payment with low interest, payment after consumption, 30 days interest-free, and innovates and practices the full-scene O2O consumer finance model.
4. Micro-loan: Micro-loan is a pure 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.
5. Qianhua: Qianhua is a credit service brand under Xiaoman Finance (formerly known as Baidu Finance, renamed on June 20 18), formerly known as Baidu Qianhua, which aims to provide personal consumer credit services for the public and create an innovative consumer credit model. Using Baidu artificial intelligence and big data risk control technology, it provides users with convenient, fast and safe internet credit services, which has the characteristics of simple application, fast approval, high quota, fast lending and strong security.
Small loans that do not need to check credit information
Small loans that don't need credit information include: borrowing treasures, cloth wallets, easy-to-borrow wallets, kung fu loans, and high money.
Although these small loans do not look at credit information, borrowers need to be over 18 years old, have a valid ID card and have full civil capacity to apply.
1, easy loan app version 3.0:
Easy loans generally do not look at the borrower's credit information and liabilities. The loan amount is within 1000 yuan, and the term is 14 days.
2. Inspur loan:
Generally, only ID cards are needed for beckoning loans, and credit records are not needed. The loan amount is less than 20,000 yuan and the service life is less than 3 months.
3. Pocket Flower App version 3.0:
Palm flower is a kind of loan with low application threshold, the amount does not exceed 5,000 yuan, and the service period is between 7 and 60 days.
4, second you loan APP3, 0 version:
The second is to provide loans of less than 20,000 yuan, regardless of credit information and liabilities, with a term of 7-48 days.
What are the small online loans that don't need to look at credit information?
1, today's headline reserve fund
Apply for the reserve fund of today's headlines, and don't check the credit for the time being. The loan amount is between 500-2000 yuan, which can be taken at any time. The loan can be used for up to 7 days, which supports early repayment without paying liquidated damages. Today, the headline reserve fund is used interest-free for 7 days for the first time, and you need to pay 1.96 yuan for the next 7 days. If repayment is made in advance, the interest will be calculated according to the actual borrowing date.
If you want to APPly for the reserve fund of today's headlines, you can log in to the headline app today to see if there is an application entrance for "reserve fund" in the "wallet". If yes, you can apply. The loan applicant must be at least 23 years old and cannot be a student at school. He needs an authorized payment service (He Zhong Epro) to get the account information of today's headlines.
2. Alipay reserve fund
Alipay's reserve fund does not look at credit information, but only at the sesame credit score and membership level of Alipay users. The loan amount is the highest in 500 yuan, which can be taken at any time. AliPay balance arrives in real time and is returned on time, which is also helpful to improve sesame score. After 7 days, the reserve fund will be automatically deducted and returned. The first use is free, and the subsequent charges are subject to the loan page.
Small loans without age limit
Microfinance without age limit. Even if you are over 18 years old, you can't give loans, let alone those who are under 18 years old. There are many advertisements on the internet saying that 18 years old can make a payment. If you apply, you may be asked to fill out the application form, but nine times out of ten you will not be approved. You will only give away the information for nothing, and even disclose your personal information.
1. What are the formal platforms for microfinance?
The first one is borrowing money. As a loan platform under Alipay Ant Financial, the loan amount is evaluated according to the usage of Alipay and the ant credit score. The floating daily interest rate is about 0.03%-0.05%, which is a good choice. The second is microfinance. As a loan platform under Tencent Weizhong Bank, the daily interest is about 0.05%, which is the same as borrowing, and there is no other fee. Of course, in addition to lending treasure and micro-loan, formal lending platforms such as Sina Lending Treasure, Baidu Spending Money, Xiaomi Loan, Xiao Jing Loan and 360 IOUs are also good choices. You can choose according to your actual situation.
Second, which small online loan is more reliable and easy to pass?
1, Ping An Little Orange Blossom: Ping An Consumer Finance launched this product, called Little Orange Blossom. Because it is a new consumer credit loan, the application threshold is very low and it is very easy to pass. If users have used Ping An credit products before, the approval rate of Xiaojuhua loan is higher.
2. Self-willed loan: Easy access to micro-loan products with a maximum amount of 300,000. The funds can be used for shopping, decoration, tourism, education, car purchase and other purposes for individual users. The daily interest rate of the loan of 654.38+100000 is as low as 2 yuan, and it will arrive in 20 seconds at the earliest, and it will be withdrawn directly to the bank card.
3.360 IOU: You need to check the personal credit information of the borrower. At the same time, according to the comprehensive evaluation of 360 system on users' consumption and repayment behavior, qualified users are given credit lines, which can be recycled. The loan amount is between 5 million and 200 thousand, and the credit line will be gradually increased.
4. CCB Express e-loan: online application for the whole process. The loan amount is between 1 1,000 yuan and 300,000 yuan. During the validity period of the loan, it can be used at any time and repaid at any time. During the validity period, you can use the loan at any time, and calculate the interest on a daily basis according to the actual days of use, which is economical and considerate.
Remind everyone to pay off the loan in full and on time, otherwise, not only will personal credit be damaged, but you will also face high penalty interest and liquidated damages, and you will need to go to jail if the circumstances are serious.