Excuse me, do I need my real-name mobile phone and verification code to borrow money on the informal online lending platform?

1. Do I need a real-name mobile phone and verification code regardless of lending on an informal online lending platform?

Generally speaking, it is necessary. Otherwise, how can the lender confirm your lender status and ask you for repayment in the future?

Second, the state-approved 10 formal online loan.

The top ten formal online lending platforms recognized by the state are: 1 and Ping An Hewlett-Packard; 2. Jingdong Finance; 3. Suning Finance; 4. pat on the loan; 5. Microfinance; 6. borrow; 7. Xiaomi borrows money; 8,360 loans; 9. Have money to spend; 10, recruit a good term loan. Here are several online lending platforms (including the top ten online lending platforms). For users, there is no need to mortgage or guarantee, and they can apply for "borrowing and returning" anytime and anywhere through the mobile phone client APP, complete the approval and lending within three minutes at the earliest, and recover the credit line without face-to-face signing to realize instant consumption. The longest loan period can reach 24 periods. "Borrow and repay at once" mainly provides a loan amount of 1000~ 10000 yuan, with a maximum of 200,000 yuan for a single loan. Ant borrowing is a credit loan product. The loan amount is between 5 million and 300 thousand, and the longest loan period can reach 1 year. The daily loan interest rate is between 0.02% and 0.05%, and the annual interest rate is between 7.2%- 18%. No matter whether you have a job or not, you can apply as long as your sesame credit score is above 600. Fast Loan Fast Loan is a personal online self-help loan launched by China Construction Bank. Customers can apply for self-help, sign contracts online and approve in real time through CCB's electronic channels, while fast loans include fast e-loans, financing e-loans and pledge loans, among which fast e-loans have the lowest threshold. The loan amount for ordinary customers is between 1 1,000 yuan and 50,000 yuan, and the maximum loan amount for financial and private customers can reach 500,000 yuan. Micro-loan users can click "borrow money" with one click just by binding the bank card, and then the system will judge the personal credit situation within a few seconds and will give a certain amount. And the user does not need any collateral, and can complete the loan online by filling in the information according to the corresponding prompts. The maximum loan is 200,000 yuan. E-loan E-loan is a personal online consumer loan launched by Bank of China, which has the characteristics of online application, second-speed approval, online withdrawal and flexible repayment. This product is a credit consumption loan of Bank of China, which uses the Internet and big data technology to provide quality customers with full-process online services. The person who applies for a loan can only be a special guest of China Bank. The minimum loan amount is 5,000 yuan and the maximum is 300,000 yuan. Good loan is a new consumer credit loan product launched by Alipay after Lending Bao. Good loans also need to be tied to sesame credit. Applicants need to achieve a sesame score of 670 or above to apply. The maximum loan amount is 200,000 yuan, and the minimum daily interest rate is three ten thousandths.

Third, which website is reliable for mobile phone installment payment?

JD.COM Shopping Center.