Which platform is reliable for borrowing money?

First, which platform is reliable for borrowing money?

1 360 IOU: a 360 online loan platform for several subjects, which is convenient and quick to borrow money without mortgage guarantee. It is 18~55 years old, with good credit and strong repayment ability. Not all students can try it. Usually, it is automatically approved by the system, and you can borrow money quickly after submitting the application.

2. Zhaolian Good Term Loan: One of the popular credit loan products in Zhaolian Finance, you can also borrow directly online. Borrowers who meet the requirements can register their accounts with their mobile phones, fill in all the information and submit it, provide ID cards and bank cards to complete identity verification, and then borrow money after obtaining system credit. All the loans are agreed, and the loan speed is very fast.

3. Withdrawal of funds and expenses: The amount of withdrawal of funds and expenses starts from 65,438+0,000 yuan, up to 200,000 yuan, and can be borrowed for 65,438+02 months. It is also an unsecured credit loan, and the down payment interest rate has been very stable. The borrower has no bad credit, stable repayment ability, meets the basic loan requirements, and can quickly lend money if the comprehensive score reaches the standard.

4, money to spend: a small online loan, the maximum amount of 200,000, low interest and fast lending. At least 18~55 years old, with good personal credit and stable repayment ability, it is easier to borrow money. There is no need to provide any qualification information during the loan process, just fill in simple information online, provide my valid ID card and bank card, and complete real-name authentication.

5, 58 Easy Loan: 58 Financial Credit Loan, with a maximum loan of 654.38+0.5 million, which is also one of the better lending platforms. Non-school students aged 22-50 use the mobile phone number of real-name registration system Registration System to register their accounts, fill in the basic information and submit it, and then upload their ID cards and bank cards to complete identity verification. They can borrow money through the system credit, and they can get the money on the day they borrow money.

The above is the relevant introduction of "Easy Loan Platform Ranking". Of course, there are far more than five platforms for friends to borrow money, and JD.COM gold bars and borrowing bai are also good. Note that no matter which platform you borrow money from, you'd better develop a good repayment habit. If you have already borrowed it, it's not difficult to borrow it again.

Extended data:

Online loan application conditions:

One. applicant

Online loans will require applicants to be at least 18 years old and have full capacity for civil conduct, and many online loans are not allowed for students to apply.

Second, Sesame Credit

Many online loans need the authorization of sesame credit, so online loans need the applicant's sesame credit to be good, but different loan products have different standard requirements for sesame credit score. The average applicant needs to reach about 500% or 600%.

The third is personal credit.

Some online loans need to check credit information, others don't, but generally speaking, it still needs the applicant's good personal credit.

Fourth, other conditions

Online loans basically require mobile phone numbers and bank cards. Especially for mobile phone numbers, online loans will require applicants to have mobile phone numbers with real-name authentication for 3 months or more.

Of course, different online loan products may have different conditions, and the actual situation is subject to the product page display.

Overdue repayment of online loans will have the following adverse consequences:

1. The penalty interest will be charged from the overdue date until the customer pays it off in full. However, the penalty interest rate of many lending platforms will be higher than the borrowing rate. If the customer has been in arrears, I am afraid there will be a lot of penalty interest. At that time, there will be more and more customers who need to repay, and the repayment pressure will also increase.

2. The loan platform will submit the overdue situation to big data, leaving a bad record in it. However, some platforms or their cooperative lending institutions can access the credit information of the central bank, and may also report the overdue situation to the central bank for credit investigation, leaving bad information in the customer's personal credit information report, thus causing the customer's personal credit to be damaged.

3. I am afraid that the platform system will start risk control on the customer's loan account and freeze the quota, so that the customer can't borrow any more. At the same time, due to credit damage, customers may not be able to borrow from other lending institutions, platforms or banks. After all, the other party will also check the customer's credit status when approving, and once problems are found, they will naturally refuse to approve the loan.

Second, what platform is good for borrowing money quickly without looking at credit information?

Xiaoman's platform is quite good, the review speed is very fast, and the application threshold is not high. If it is not too small, it depends on the credit information. My sister and I opened a nail salon together, and we spent too much money when we first started decorating. Seriously, very reliable? The daily interest rate is only 13000 yuan, and I paid it back in advance after a few months of loan turnover, which has no effect on credit investigation!

Third, which is better to borrow quickly?

In other words, the channels of loans are all channels that can be borrowed in a broad sense, including intermediaries (this thing exists to give you a handling fee and help you find loans from large and small channels); A formal management institution in a narrow sense, that is, a contract signing lender. This time it is actually a channel in a narrow sense, so it is classified by institutions: 1. The bank. Don't be too general; Small demand: credit card (this consumer demand is very practical); General demand: consumer credit loan (5-30w), stable customers with good basic work, which depends on banks, such as China Bank, Huaxia Bank and Shanghai Pudong Development Bank. TZ didn't ask for interest, so it didn't start. Mortgage loan and real estate mortgage are the mainstream, which are basically done by commercial banks. Great demand: commercial loans, credit and mortgage loans, which are related to banks' preference for enterprises. Summary: In principle, bank interest is the lowest in the market. Of course, there are certain requirements for customer qualifications. In the past, many customers just didn't know whether their qualifications were good or not. Let's write a special discussion on this topic another day. 2. Microfinance companies. This is because the private sector has a lot of capital. Companies such as Ping An Pratt & Whitney, CreditEase, Jieyue, You and I Loan, etc. , each place also has its own capital institutions. This is basically a credit loan, with a small amount ranging from tens of thousands to 1.5 million. Secondly, car loans are used for mortgage loans. Generally, there are car loan agencies in the local area. Summary: The interest is basically around 2 points. If the conditions are good, it will exceed 1 minute. 3. Online lending institutions. First of all, I am very optimistic about JD.COM white bars, ant flowers, ant loans and micro-loans. Although they have never been used. . . . . Secondly, many institutions are also doing Internet data uploading and lending, which has not been studied. 4. Parents and friends. This channel is not impossible. When a friend is doing business, his parents owe him 390,000 yuan with interest. . It is really the most cost-effective family financial management method. If you don't borrow it, your parents' money will be deposited in the bank, and he will borrow it from the bank, right? Even the national benchmark interest rate is ok. . . .