Reject black online loans. What else can I borrow?

What are the online lending platforms that can be loaned?

Online lending platforms that can borrow money are:

1, money to spend.

2360 IOUs.

3.JD.COM gold bars.

4. Ctrip Finance.

5. Flower duck borrows money.

6. Consumer finance immediately.

7. White cat loan.

8. Central Plains consumer finance.

9. Alipay loans.

10, Suning Consumer Finance.

These platforms have corresponding credit loan products, and customers can choose their own operating applications. Of course, whether they can get the loan amount depends on the audit results of the system. The comprehensive qualification of customers needs to meet the requirements. The better the qualification, the higher the loan amount.

Although these lending institutions can apply for loans, they have higher requirements for customers' comprehensive qualifications, and they can't get loan quotas casually.

Even so, customers should choose genuine lending institutions as far as possible when applying for loans. Although their audit efforts are relatively strong, they can effectively prevent customers from encountering regular loans and will not be defrauded by illegal platforms.

What other platforms can I borrow?

Top 10 loan platform with a maximum loan of 300,000 yuan.

1. wing payment

Wing Payment is a financial service platform owned by China Telecom, including many small loan products such as Ping An Small Orange Flower and Sweet Orange Loan Bao. Each small loan product can provide users with different loan quotas. For example, Ping An Orange Flower can provide users with a loan amount of up to 200,000 yuan.

2. Electronic borrowing

E-Lending is a lending platform provided by Industrial and Commercial Bank of China to borrowers who meet certain conditions. This is pure online consumption, and the borrower is not required to provide any mortgage or guarantee. E-loan will bear interest on a daily basis, and the maximum loan amount available to users is RMB 200,000.

If there is demand, I suggest you spend a little money, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and a formal licensed operation. Its main business is monetary credit services, with Baidu brand background and technical support.

In addition, Du Xiaoman also has financial management, wallet payment, insurance brokerage and other businesses. , and has obtained the corresponding securities and futures license, payment business license and insurance intermediary license. The license is complete, open and in line with national supervision.

Loans with money range from 5 million to 200,000 yuan, with annualized interest rate of 7.2% and single-day interest of 654.38+0,000 yuan starting from 2 yuan. With a long loan term, you can borrow it on a daily basis, pay it back the next day, and pay interest on a daily basis. Unsecured, pure credit, full-process online application, with ID card and bank card. It can be approved in 30 seconds at the earliest, and it can be paid in one minute without any hidden charges.

3. Temporary loans

Sui Xin Loan is a small loan under China Everbright Bank, with a maximum loan amount of 300,000 yuan and an annual interest rate of 6.8%-9%. The longest loan term that the borrower can choose is 36 months. There are many repayment methods for Sui Xin loan, which support matching principal and interest, average capital, interest first and principal later. If the borrower repays the loan in advance, no formalities will be charged.

4. Net Dai Jie

Online Dai Jie is a low-interest credit loan issued by Agricultural Bank of China to high-quality customers. You can apply online by yourself, and the system will automatically approve the loan, with a maximum loan amount of 200,000 yuan. 12 customers with installment or above can enjoy a minimum loan interest rate of 4.35%.

5.360 subjects

30 Digital Branch is a third-party financial technology platform under the 360 Group. Its products include 360 IOUs, 306 and 360 installments. The loan amount is between 5 million and 200,000, and the minimum daily interest rate is 0.027%.

6. withdraw money.

Cash withdrawal is a pure credit consumer loan product launched by UnionPay Business and Zhongyuan Consumer Finance Company. The borrower can apply for a loan only by presenting his credit report in China People's Bank and the credit receipt of UnionPay business credit card.

7. Have money to spend

Hua Qian is a small loan product under Baidu Finance. Users can find it by searching for "money" in the mobile app store. After downloading, users will find that there are many loan products that can use money, such as short-term loans with low thresholds, with a minimum daily interest rate of 0.02%.

8. Sweet orange borrows money

Sweet orange loan is a small loan product paid by Wing. The minimum loan amount that users can apply for in Sweet Orange Loan is 500 yuan, and the maximum loan amount is 200,000 yuan. At present, the lowest daily interest rate for borrowing money without sweet orange is 0.02%, and the longest installment can be selected 12 months.

9. BOC Easy Loan

China Bank's e-loan has been well received by many China bank users, and the qualification requirements for borrowers are not high. The employer where the borrower works needs to pay the salary through China Bank, and the salary paid through China Bank is more than 6 months.

10. Bank loan

Peer-to-peer loan is a credit loan product of Shanghai Pudong Development Bank. The borrower must be between 18 and 60 years old, have full capacity for civil conduct and be responsible for his own lending behavior. It is best for the borrower to have close business contacts with Shanghai Pudong Development Bank, or be a payroll user of Shanghai Pudong Development Bank.

What are the ways to get a loan?

There are three main loan channels.

One is to borrow money from the bank. Advantages: As long as you are strong, there is no upper limit on the loan amount and the interest rate is relatively low. Disadvantages: The threshold for bank loans is relatively high, and the requirements for personal comprehensive strength, credit status, repayment ability and guarantee conditions are relatively high.

In addition, if the amount is relatively small, you can also use a credit card and slowly raise the card. You can usually get 200,000-300,000.

The second is lending in Internet financial institutions. Advantages: convenient and fast, low threshold, such as Alipay loan, WeChat micro-loan. As long as you use their application frequently, they can provide you with a credit line based on the information collected from you every day. Disadvantages: the loan amount is generally not too high.

The third is private lending. This is a matter of opinion. When you meet someone who respects you, you can borrow money at low interest. The procedure is simple. You can get it with an iou. If they are satisfied, they dare to give as long as you dare to borrow. I'm not afraid of you not paying back the money.

There are many ways to get a loan. Let me give you a simple list:

bank loan

At present, there are more than 3,800 banks in China, and basically every bank can lend money. The biggest advantage of bank loans is that the interest rate is relatively low. In general, mortgage interest rates is about 6%-8%, and the interest rate of unsecured credit loans is about 65,438+02% to 65,438+05%.

But it is generally difficult to apply for a bank loan. If you are not a quality customer or have no assets, it is difficult to get a loan from the bank.

Licensed company

Licensed companies are licensed companies, such as technology companies and rural companies. These companies generally have specific loan destinations, and the interest rate is about 1.5% per month, and the amount may range from 65438+ 10,000 to tens of millions.

Unsecured company

There are many unsecured and unsecured companies in the market at present. These companies have a wide range of business, and individual enterprises can apply for them, and they are also more flexible to handle. The comprehensive monthly expenses of these unsecured and unsecured companies are about 2.5%, and the amount is generally between 1 10,000-500,000.

Of course, if you have a house as a mortgage or a policy or a car, the interest rate is relatively low.

P2p platform loan

P2p platform loans are mainly used as the intermediary of the platform to bring the rich and the poor together. At present, the interest of p2p platform loan is almost the same as unsecured interest, and the amount depends on the specific needs of the project.

Big platform online loan

At present, there are several types of online loans, and the online loans launched by some big brands are one of them, such as Alipay's loans, WeChat's micro-loans, JD.COM Gold Bar, Baidu's Qianhua, 360 IOUs, Xiaomi's loans and Wanda's loans. The loan amount is generally between 1 10,000 and 300,000, and the daily interest rate is about 1.5 to 6/.

consumer loans

Consumer loans are products launched by some consumer finance companies and are also very popular at present. But consumer loans are generally paid in installments when you buy goods, and you can't withdraw cash directly. For example, if you buy a mobile phone or computer, you can repay it in 12 or 24 installments.

Cash loan

The current development of cash loans is also very hot, but at present, the supervision of cash loans by the regulatory authorities is very strict. Therefore, many cash lending platforms have stopped their business. Cash loans are mainly used to solve the short-term shortage of funds. The normal term is between seven days and thirty days, and the general amount is between 500 yuan and 50 thousand yuan. However, the interest on cash loans is very high. Generally, interest is calculated on a daily basis, and the interest is between 1‰ and 5‰, that is to say, the daily interest of borrowing 1000 yuan is between 1 yuan and 5 yuan. If you convert this interest into annual interest, it will reach%.

Private loan

Private lending is also personal loan, commonly known as private lending. At present, private lending is quite confusing, so I suggest you not to contact it.

Of course, in addition to the above loan methods, if you are a corporate customer, you have several other loan methods to choose from.

One is supply chain loans.

Supply chain loan is a kind of loan method of upstream and downstream payment. For example, A wants to buy A goods, and then he applies for a loan of 1 million yuan from B Finance Company, but the loan 1 10,000 yuan is not directly given to A but directly called to A's supplier C customer.

The other is equipment leasing financing.

Equipment financing means that you need this equipment, and then you can find a financial leasing company to buy it for you, and then you can repay it in installments or only within a certain period of time.

Of course, there are other loans, such as trade loans, so I won't go into details here.

Loans mainly include banks, internet companies, online lending institutions, companies with consumption, and companies.

1, bank

1 institutions are banking financial institutions, such as large state-owned commercial banks, joint-stock commercial banks, city commercial banks, credit cooperatives, etc., among which the interest rate of state-owned banks is relatively low.

2. Internet companies

The second organization is an Internet company. The famous products of internet companies are: Tencent's micro-loan, Ant Financial's ant loan, and Baidu's money.

3. Online lending institutions

The third type of institutions are online lending institutions, mainly referring to p2p, such as you and me, and everyone. Among online lending institutions, loan review is the most important and the interest rate is the highest. The interest rates of many institutions exceed the lowest standard set by the highest people by 36%.

4. Consumer finance companies

The fourth category is consumer finance companies. There are 17 consumer finance companies in China, such as BOC Consumer Finance Company and China Post Consumer Finance Company.

5. Company

The fifth category is companies. There are probably thousands of small loans and companies in China, which are divided into online small loan companies and non-online small loan companies.

Among the above five types of institutions, the loan interest rate from low to high is banks, consumer finance companies, internet companies, companies and online loans. It is suggested to apply for loans from banks first, followed by companies with consumption amount, and online lending institutions are ranked last.

Friend, although I am a professional financial worker, your question makes me feel difficult to answer. In short, there are many ways to get a loan.

Let's just say that if your loan refers to a wide range of objects, not only bank loans, but also effective ways of bank loans, you can go to formal financial institutions such as companies, financial leasing companies, finance companies, trust companies, theme financial companies (such as auto finance companies that provide car loans) and so on; There are also informal Internet finance companies such as private P2P platforms.

But I told my friends to stay away from illegal lending companies so as not to get caught in the whirlpool; The most assured, safest, most reliable and cheapest loans are banking institutions. There are many banking institutions, including large state-owned commercial banks, such as the five major banks that established diplomatic relations between workers and peasants, large cross-regional joint-stock commercial banks, and local small and medium-sized commercial banks, such as city commercial banks, rural commercial banks and rural credit cooperatives.

Banks may have different requirements for loan conditions, some with high thresholds, some with low thresholds, some with very strict requirements and some with relatively loose conditions. We can't generalize. You can contact and deal with it according to your own loan conditions in order to solve the loan demand.

As for the bank loan requirements you asked, the requirements of different banks may be roughly the same, but there are some differences in details, which depends on your own conditions.

Usually, the bank loan requirements are as follows:

1, personal credit loan conditions

(1) The bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use;

(2) Personal credit status is good;

(3) There are certain restrictions on the income of borrowers. Generally, the borrower's average monthly income is not less than 4000 yuan.

(4) After the bank submits relevant application materials, if approved, it can apply for a loan with a monthly income of 5-8 times.

2. Housing mortgage loan conditions

(1) In addition to strong requirements on the income and credit of the lender, the service life of the house should be less than 20 years, and the house area should be more than 50 square meters;

(2) The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house;

(3) In this way, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years after submitting relevant information and approval by the bank.

3, the conditions of college students' entrepreneurial loans

(1) College students who graduated within two years;

(2) College degree or above;

(3) 18 years old or older.

Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.

4, self-employed loan conditions

(1) must have full capacity for civil conduct and have a local hukou;

(2) Having a fixed business place and stable income in the local area;

(3) Being able to provide legal collateral;

(4) Open a deposit account in a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

5, housing mortgage loan conditions

(1) has a valid ID card and proof of marital status;

(2) Good credit record and repayment willingness;

(3) stable income;

(4) Commercial housing sales contract or letter of intent for the purchased house;

(5) Being able to pay the down payment of the purchased house;

(6) Opening a personal settlement account in a bank with effective guarantee.

After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.

Now I will give you the specific loan terms of several banks for your reference:

First, what are the terms of the CCB loan?

1, if you want to have a fixed income, it depends on the salary details;

2. 18-50 years old or older, and pay off the loan before the age of 65;

3. If the loan is used for business or car purchase, there must be a guarantor and a mortgage. Mortgage requires the borrower and the borrower's spouse's listed commercial housing, commercial housing and other assets as collateral. The guarantor must be a natural person and a VIP customer of CCB;

4. No bad credit record. The monthly payment is not higher than 50% of the family wage income.

Second, what are the conditions for bank loans in China?

1, a natural person with full capacity for civil conduct;

2. Effective proof of personal identity;

3. Have the legal ability to repay the loan principal and interest;

4. Good personal credit;

5. Holding a car purchase contract, agreement or letter of intent approved by the handling bank;

6. Providing collateral (pledge) recognized by the handling bank or individuals or units with sufficient compensation capacity to provide irrevocable joint liability guarantee for third parties; Or provide corresponding materials that meet the customer access conditions of the Interim Measures for the Administration of Personal Credit Revolving Loan Quota of Bank of China;

7. Proof of the down payment ability of the car purchase limit stipulated in these Measures;

8. Other conditions stipulated by the Bank of China.

3. What are the conditions for a loan from the Postal Savings Bank?

1. Farmers' bank loans require borrowers to be married, while merchants' bank loans require borrowers to have business licenses and operate normally for more than half a year;

2. Have full capacity for civil conduct, be in good health and have the ability of labor production and operation;

3. Family members with two jobs, aged between 18 and 60;

4. Have a local hukou or have lived in the local area for one year;

5. It is necessary to provide 1 to 2 natural persons for guarantee, and the guarantor requires people with stable income such as national civil servants, teachers and doctors, or form a joint guarantee group of 3 to 5 households;

6. Have a stable business place.

My friend, it is clear at a glance to compare the requirements of these loan conditions of banks. If you want to borrow money, you can improve it item by item by comparing the requirements. I wish you a successful loan!

Bank loans are generally credit loans and mortgage loans, with more mortgages.

First: credit loans

Taking credit loans as an example, there are flash loans for savings cards and e loans for credit cards, all of which belong to the category of credit loans. No information is needed, mainly credit information will be taken seriously, up to 300 thousand.

Second: mortgage loan

At present, the most loans are mortgage loans, which generally require local or surrounding cities to have real estate.

Third: mortgage loan

It is the loan needed to buy a house. Where there is a first-hand house, there is a special partner. If you have a second-hand house, you can consult the bank directly.

The channels of loans are generally divided into four categories: the first choice is definitely bank loans, then consumer finance, then small online loans, and finally private lending!

Bank loans, as we all know, have high quotas, low interest rates and flexible repayment methods! Of course, his requirements are also relatively high. If an individual applies, generally speaking, he needs to have a house, a car, social security, provident fund, salary and insurance. You can apply for a combination of these conditions. For example, if you earn more than 5,000 yuan and have a provident fund base of more than 5,000 yuan, you can borrow from many banks. Moreover, his requirements for credit reporting are also relatively high.

Consumer finance, there are basically consumer finance companies under general banks, such as common BOC consumer finance, industrial consumer finance, large number finance and so on. And their requirements are much lower than those of banks. Ordinary office workers can do it with a minimum base of 2200, but the interest is a little higher than that of banks, which is basically around 1 minute.

Small online loans, companies, such as online loans, micro loans, Baidu money, 360 loans, are all small online loans. Offline companies, such as Bomin, Zhongan and Yaliancai, have higher interest rates than consumer finance, basically between 1 and 3 points. The requirements are relatively low, and social security or wages can be paid.

Private lending, there are many people who specialize in lending, and the interest is high or low, but many of them are. Some need mortgage, and some are pure credit. The water is deep. I advise you not to touch it easily.

With the improvement of people's consumption level and the acceleration of life rhythm, when funds need to be turned around, people will need loans. So what are the main ways of lending? What qualifications do you need for a loan?

First, the loan method

1, bank loan

When it comes to loans, the first thing that comes to mind is bank loans, which is also the most widely used way at present. For example, large state-owned commercial banks, joint-stock commercial banks, city commercial banks and credit cooperatives, among which the interest rates of state-owned banks are relatively low. The interest rate of bank loans is lower than other institutions, but the approval time is longer, and bank loans are generally high-quality customers, so the threshold for users is relatively high, and incomplete information will lead to the failure of approval or the decline of households.

2. Lending bank

Due to the limited number of loan users handled by banks, the demand exceeds supply, so loan companies appeared. Some loan companies don't need mortgage, but the interest rate will be high. There are many unsecured and unsecured companies in the market at present. These companies have a wide range of business, and individual enterprises can apply for them, and they are also more flexible to handle. The comprehensive monthly expenses of these unsecured and unsecured companies are about 2.5%, and the amount is generally between 654.38+00,000 and 500,000.

There are also some loan companies with licenses. These companies generally have specific loan destinations, and the interest is about 1.5% per month, and the amount may range from 65438+ 10,000 to tens of millions.

3. Online loans

When it comes to online lending, everyone is familiar with it. Especially in recent years, many online lending platforms have emerged. Their characteristics are low threshold, high loan application amount and fast approval. Basically, it is done online, and the amount of approval is collected in seconds. The loan amount of these platforms is generally between 1 10,000 and 300,000, and interest is charged on a daily basis. The daily interest rate is about 1.5 to six ten thousandths.

4. Consumer loans

Many people have never heard of consumer loans, but they have used them. What is a consumer loan? They don't need the full amount to buy goods, and they can pay by installments according to their own situation, but they will also charge a certain installment fee. At present, with the use of online consumption, the handling of consumer loans has gradually increased.

Second, the loan qualification

According to the bank's standards, your credit report plays a decisive role, that is, you have never had a record of overdue bad debts. Generally, there is continuous fatigue, which will be blacklisted directly by the bank. Secondly, your financial situation, your income can be referenced by the running water of the bank, and fixed assets are also a plus item for loans. Basically, if you have a good credit record and have the ability to repay loans, the bank will issue loans. Banks are the most demanding of all loan channels. If the bank can make a successful loan, other channels can certainly do the same.

According to the current loan data of real estate banks, the down payment of mortgage in second-tier cities is generally 30%, and the proportion of mortgage in first-tier cities is 35% to 40%. In order to promote real estate sales, third-and fourth-tier cities may have 20% mortgages. Therefore, the down payment for buying a house is not your choice, but determined by the corresponding loan banks, and these banks often sign agreements with real estate developers in advance. When buying a house corresponding to a real estate, you can only find the corresponding bank loan, or there may be 1 three banks that can handle loans at the same time, so you should ask the down payment ratio of different banks and whether there are any preferential activities.

Riding a cow to see a bear still remembers 10 years ago, the bus was still 1 yuan, and now it is 2 yuan; Sesame cake 2 yuan, now 5 yuan; Internet cafe 1 hour 2 yuan, now it is 15 yuan. . . . . . There are many things whose prices are rising. Let's look at the house price 10 years ago. Now it has gone up several times, and we can only exclaim that "money is getting worthless". This is mainly because of the continuous development of social economy, people's "pockets" are getting warmer and warmer, and money is constantly being issued, which inevitably leads to inflation.

In fact, from the perspective of currency depreciation, money belongs to a medium in transactions. If the currency is oversold, it will depreciate and cause inflation. After 10, 20 and 30 years, inflation will increase according to certain economic laws, and the growth rate can be controlled in macro-control, but it is almost impossible to completely curb it. Therefore, when buying a house, buyers mainly choose a long-term repayment period of 20 years or 30 years, so that the pressure will be less and less, and more money can be used to make money by buying a car, doing business, investing, etc.

Let me tell you a joke first. At that time, I was still a teacher, so I went to the credit union in our town to prepare a loan to do business.

The loan officer of the credit union will not lend it to me under any circumstances. It is said that I am not married or even have a home. Unreliable,,,

All right, no kidding, let's get down to business.

What are the conditions for a bank loan? 1, credit 2, mortgage Generally speaking, it takes more time to make small loans in banks.

To make a small loan in a bank, whether it is a loan at the counter or a loan in the bank APP, the first thing to do is to check the credit.

If there is no problem with your credit and there is no bank overdue, there is basically no problem. However, if you borrow money at the counter, even if your credit information is ok, your loan record is too much and too confusing, and they will regard you as a dishonest person.

Therefore, the loan should be operated through the bank APP as much as possible. Dealing with computer programs is better than dealing with people. They only know the rules. Credit information can be used, and loans can also be used.

You need a mortgage when you take out a large loan.

If you want to make a large loan in the bank, you don't have great fame and strength, then the bank will ask you to show your collateral in addition to checking your credit history.

My brother works in Guangxi. The year before last, because of the project, the project payment has not been settled, the workers demanded wages and made trouble at the construction site.

Later, in order to pay the workers, my brother made a mortgage in the bank, and the mortgage was the house where he lived.

With collateral, the bank gave him a loan. Borrowed hundreds of thousands.

The above is the way to borrow money from the bank and the information you need. If you want to borrow money from the bank, you might as well read more books.

Several loan methods in China:

1. Bank loan: Applicants are required to have good conditions, especially to ensure good credit information and close relationship with banking business;

(1) Punch pay is above 5000.

(2) Social security accumulation fund (each sum is more than 600 yuan)

Second, formal financial institutions: loan review is slightly looser than that of banks, but good credit information is also a necessary condition;

There is commercial insurance under the name of the insured.

(2) The applicant has a national monthly house in his name.

Third, P2P lending platform: the application conditions are relatively loose, but the interest is relatively high;

Nothing, as long as the credit is good, you can apply for the next payment normally.

What are the loan platforms?

The platforms for lending are:

First, there is money to spend. Qianhua is a credit service brand owned by Du Xiaoman, which can provide loan services for individual consumers and small and micro business owners, and is the choice of many small and micro business owners.

Second, sorry. Borrowing is a consumer credit loan product in Alipay. Users can apply for a loan directly through Alipay, find the loan on Alipay My page, and then try to apply for opening according to the page prompts.

Third, micro-credit loans. Micro-loan is a credit product of Weizhong Bank. At present, there are two application channels: WeChat and mobile QQ. Take WeChat as an example. As long as we can find the words "micro-loan to borrow money" on our service page, we can try to apply for opening, and the system will review it. Users who can successfully open and get a quota can try to apply for a loan.

What online lending platform can I borrow money from?

As we all know, the loan threshold of online lending platform is relatively low, so many friends will consider applying for online lending solutions when they encounter difficulties. However, online lending also has a threshold. If the borrower's comprehensive score does not meet the requirements of the lending platform, the loan will be rejected, so many friends will want to choose a low-threshold online lending platform. So which online lending platform is easier to borrow money from?

There are many online lending platforms on the market, and it is relatively easy to borrow from these lending platforms.

1. Sorry. Lending treasure is a credit loan product in Alipay. Users who open the loan treasure can use Alipay.