Is easy credit loan formal?

CreditEase's loan is irregular. It is recommended to apply for loans through bank channels. China Merchants Bank has lightning loan business. At present, you can only apply through mobile banking, or check whether you meet the application conditions.

First, the current formal lending platform.

Bai Hua 1

Alipay launched the "consumption first, payment later" service, and users with sesame scores above 600 have the opportunity to apply for opening the "flower garden". At present, the amount of "flower garden" is between 2500-30000 yuan. Users can use it to shop in Tmall Mall or Taobao, and make repayment on the following month 10 after confirming receipt. As long as the repayment is made on time, there is no handling fee.

2. Alipay Online Merchant Bank

Alipay online merchant bank still serves small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions. The application threshold is the same as the previous loan. The maximum loan amount is 1 000 yuan, the expected annualized interest rate on the loan day is 0.05%, and the loan term is 1.2 months. Use the average capital repayment method.

3.JD.COM gold bars

JD.COM Gold Bar is a credit product of Jingdong Finance, and another product of Jingdong Finance, JD.COM White Bar, is very popular. The maximum loanable amount of gold bars in JD.COM can reach 200,000, and the daily interest rate is between 0.04% and 0.095%.

Two, personal loans need to meet the basic conditions are as follows:

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate.

2, have a stable legal income and proof, have the ability to repay interest.

3. When the loan business needs a down payment, it has the ability to pay the full down payment.

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met.

In addition, many friends hope that the higher the loan amount, the better. But they don't know that the loan is determined by your own conditions. After accepting the loan application, the lending institution will review the materials submitted by you, evaluate them according to your credit standing, age, occupation, assets, income, marriage and mortgage, and finally get the loan amount.