Big data spent the necessary online loans.

There are still many formal loan platforms, and here are only three.

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.

Users whose age and information meet the requirements can try to apply for money in Xiaoman APP. When applying for the quota, the system will evaluate it according to your comprehensive situation, and then give the specific quota and the corresponding interest rate. If you feel that the interest rate you apply for is acceptable, you can try to apply for a loan.

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.

The application methods of these three platforms are still quite similar. We just need to find the product entrance in the corresponding app, click enter, read the agreement according to the prompts and agree to open it, and then we can try to apply for the quota. Users who get the quota can try to apply for a loan.

Which loan software is more reliable?

Loan software recommendation: Lending Bao, Ping An Easy Loan, Pleasant Loan, Alipay and WeChat.

1, excuse me

Lending Bao is a mobile phone loan software launched by Alibaba. Like lightning, it's a one-minute loan. The people who are suitable for borrowing money are Taobao daren with a sesame credit score of over 600, which is also the only application condition for borrowing money, so the application threshold for borrowing money is still relatively low. With different sesame credit scores, the loan amount applied by users is different, ranging from 1 0,000 yuan to 300,000 yuan. The longest loan period is 12 months, which can be repaid with the loan. As a senior online shopping user, Bian Xiao has a good impression on this mobile phone loan software.

2. Ping An Easy Loan

Ping An Easy Loan is a mobile phone loan software launched by Ping An Bank. Mainly for wage earners, homeowners, car owners, business owners, etc. Therefore, users who apply for Ping An Easy Loan must also be people with certain assets and relatively stable jobs. The loan amount of Ping An Easy Loan is between 6,543.8+0,000-6,543.8+0.5 million, and the expected annualized interest rate per month is the lowest 0.78%. Ping An Easy Loan card issuing is also faster. Compared with other bank loans, Ping An Easy Loan does not need any mortgage or guarantee. The repayment period is also flexible, and you can choose 1 year, 2 years or 3 years.

3. Preferential loans

Pleasant loan is a mobile app that can provide loans. Pleasant loan provides three loan models. As long as you submit relevant information in accordance with the regulations and pass the credit evaluation, you can know your loan amount. The loan review is fast and convenient.

4. Alipay

Alipay can provide pure credit loans to everyone through ant borrowing. The service period is within 12 months, and the daily interest rate is generally around 0.03%, which supports borrowing and returning.

5.wechat

Wechat can provide loans of no more than 300,000 yuan through micro-loans, with a service life of 20 months, and the daily interest rate is generally around 0.04%, so it can be repaid in advance.

Which lending software is more reliable?

There are many kinds of software for borrowing money, each of which has different advantages and disadvantages, so it is impossible to generalize. This depends on your own needs to choose.

1. Zhaolian Good Term Loan: Online review of Zhaolian Finance's credit product application. As long as the user has good credit and certain repayment ability, the application is better.

2. Anyihua: Anyihua's application threshold is not high. As long as it meets the basic loan conditions, it is still relatively easy to pass.

3. Borrowing: As long as there is an application entrance and quota, borrowing can basically guarantee the success of the next payment.

4. Reserve fund: Alipay has launched emergency loan products, which are basically open to the public at present. If you don't need too much for the time being, you can try. The initial line is 500 yuan, the loan period is 7 days, and it only costs 2.99 yuan to use for 7 days, which is also easy to pass.

5. Good loan: the loan software is easy to pass. Applicants are between 20 and 50 years old, with an average initial loan of more than 5,000 yuan. At present, the maximum amount is 50,000 yuan and the service period is from March to 65438+February. Operators who have been certified for more than 6 months can apply for it on the same day.

6. Hua Qian: It is a credit service brand under Xiaoman Finance. Big brands are reliable, trustworthy and have low interest rates. Hua Qian is a formal platform, which comes from Du Xiaoman's products. It has been online for a long time, and many people are using it. The maximum loan amount is 200,000, the general loan amount is about 30,000, and the qualified loan amount is about 70,000. China citizens aged 22-55, with a loan of about 30,000 yuan.

7. Juduoduo: It is a loan software, which can be applied for regardless of black and white households. Installment consumer loans belonging to shopping malls. At present, the average loan amount is between 4000- 10000 yuan, with a maximum of 50000 yuan and a service life of 12 months. Credit information is not checked when applying, but some lenders do so at meetings. Pay attention to check the lender information when applying.

A regular app that can borrow money.

First, the common formal apps that can borrow money are Alipay, WeChat, Anyihua, and your loan.

1, Alipay: Alipay is the most common payment software. You can apply for a loan by clicking Ant Borrowing on Alipay my page, but Ant Borrowing is only open to some Alipay users at present. This product is believed to be familiar to all Alipay users. It is a loan service platform launched by Alibaba. The big database behind the platform will provide different quotas for different users according to sesame credit scores. The maximum amount can be up to 300,000 yuan, and the longest repayment period is 12 months, which supports loan-as-you-go repayment.

2. WeChat: Log in to the WeChat client, click to open my-payment-micro-loan offline, and you can borrow money. Microfinance is only open to some users. If you don't see the micro-loan on the payment page, it means that it is not open to the user at present.

3. Anyihua: Anyihua is a credit product of Instant Consumer Finance Company, and the loan amount ranges from 1 1,000 to 50,000 yuan.

4. Your loan: Your loan is a peer-to-peer lending platform. You can apply for a loan by downloading the loan app on your mobile phone.

Second, what should I pay attention to when borrowing an app?

First, reasonably choose the amount and duration of the loan. The loan amount needs to be determined according to your own economic situation, and you need to consider your own economic repayment ability to avoid excessive repayment amount and excessive pressure. Generally speaking, the loan term means that the interest will increase with the increase of loan time, so try to choose a loan with time and interest within your repayment ability according to your own situation.

Second, we must carefully check the relevant contracts of the online lending platform to avoid regulations that are not in line with our own reality or are unacceptable to us.

Third, be rational when repaying. It is best to use the remaining funds for other investments and get the maximum profit while being able to repay each loan. Many people who have been cheated by online loans have not carefully read the relevant contracts and regulations for sending foreign exchange, which leads to their failure to have a good legal advantage in winning the case. If you are a college student, it is not recommended to use online loans, because you have little experience and can't tell the difference between true and false, and you are likely to be tempted by fake online loans, resulting in heavy debts. Article 26 of the Provisions of the Supreme People on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases promulgated by the State Council defines the interest rate ceiling and the rights of lenders in the lending relationship.