Is there a good loan platform?

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.

Second, what is a formal lending platform?

According to the level of qualification and interest rate, it can be roughly divided into the following categories:

First, the five major banks and the head joint-stock banks

Many people's stereotype of banks is loans, that is, they have nothing for their own use except credit cards. In fact, this state has become a thing of the past, and now banks have comprehensively enriched their product lines. So at present, no matter the five major banks such as Bank of China, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank and Bank of Communications, or the major joint-stock banks such as China Merchants Bank, China CITIC Bank, Minsheng Bank, Industrial Bank, Ping An Bank and Guangfa Bank, they all have their own apps, and they can already apply for credit loans in their own apps. However, after all, it is the head office, and the risk control requirements are relatively high, so the entry threshold is also relatively high.

Second, city commercial banks and private banks.

In addition to some head offices, many local banks now attach great importance to online lending. At the same time, due to the technical investment of these banks in online lending for many years, their online technology is also very developed. Well-known, such as some local city commercial banks, such as Bank of Beijing and Bank of Shanghai, and many private banks attach great importance to this business. Private banks are familiar with microfinance and online banking. This part of the online lending platform does not have such a high entry threshold requirement, but the interest rate is not as high as that of the people, and it can also be used as a good choice.

Third, the online lending platform of well-known brands.

If the threshold of the above banking department cannot be reached, then you can only choose some non-bank online lending platforms. However, as far as the pure online lending platform is concerned, there are many pits, and you need to be more cautious when choosing. It is best to choose an online lending platform under a well-known brand. Relatively speaking, the well-known brands in this respect are Bai Jie (under the Ant Group), Du Xiaoman (under Baidu) and JD.COM Gold Bar (under JD.COM). COM)。 Although these are not banking financial institutions, after all, their group brands are very good, so they are also relatively reliable brands.

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There are many online lending platforms, but what platform to choose depends on your credit level. Online loans that can be applied for according to credit can be selected from five major banks, joint-stock banks, city commercial banks, private banks and small loan platforms under well-known brands.

Third, what is a good loan platform?

It is recommended that you choose formal channels to handle loans, such as bank channels;

If you apply for less than 50,000 yuan, you can log in to our mobile banking first, click My-All-Loan-I want to borrow money and try to apply through this interface, or you can log in to Pocket Life to apply for a credit card loan, depending on the audit results.

4. What are the black loan platforms?

Black loan platforms include: 5 1 instant loan, Cai Xi loan supermarket, fingertip wallet, easy flash loan, quick loan, cash bus, peer-to-peer loan, one-second loan and Vientiane rent-back.

Online loans and black loans refer to loans issued by informal platforms, and the formality of all network companies and guarantee companies is not very guaranteed.

First, the harm of peer-to-peer lending

1. Credit investigation. Many people will never borrow money again when they see such a credit report.

2. The amount is very low. There is generally no online loan quota, which is mainly short-term and the interest is extremely high.

It's hard to land. People who apply for online loans think that they don't have to pay back the same thing if they borrow money. When they pay back the money, they often "rob Peter to pay Paul" to find new profits, but the accumulated debts are too high to control.

4, leading to overdue. Excessive borrowing can easily lead to overdue. Whether it is impossible to repay or really forget, it will be overdue on the credit report.

5. violent collection. In case it expires, you can expect endless violent phone calls and text messages. A phone call threatening to kill a continuous phone call may seriously affect you and make you and the people around you feel uneasy. This is just a piece of cake.

Since then, many people's online loans have expired many times. Personal credit report is too dark to read. Banks and online lending institutions have long listed you as a high-risk customer. Even if the credit information is spotless, even if the interest rate is high and the bank is strong, it is even more impossible to lend you money. In fact, the harm of online loans goes far beyond these, and online loans will be encountered before they have time.

Second, the consequences of non-repayment of online loans

1. High penalty interest and liquidated damages. High penalty interest means that the lender fails to calculate the corresponding overdue penalty interest within the prescribed time limit. If the debtor extends the overdue time for a period of time, the agreed interest will be higher, but no matter how high it is, it cannot exceed the legal scope. If the loan is not repaid, the lender will be required to pay the corresponding liquidated damages. So, I'm used to it, so as not to cause more problems in the future.

2. Credit damage. If the loan is not repaid, and the online loan companies have adopted the * * * enjoyment system. If you borrow money from a company, you will not pay it back. Then, it is possible that other online loan companies or banks will know about your loan default. If you want to apply for a loan in the future, it is difficult or even impossible to get a loan. Because your credit has been damaged.