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Excuse me, what are the ways of personal loan?

At present, the ways to apply for personal loans are: bank loans, formal companies and online loans. Among them, the application threshold for bank loans is generally high, and the handling process is complicated and takes a long time. Applying for loans through companies and online lending platforms, although the threshold is low and the application process is simple, the interest will be higher than that of banks.

For more information about personal loans, please visit: See More.

Which platform is good for personal loans?

Top ten loan platforms, which are the best loan platforms:

1. Alipay-Ant Borrow

Ant Borrowing is a loan product of Alibaba, which is used for personal consumption. Borrowing money on bail pending trial can be repaid with the loan, and there is no penalty for prepayment. It's easy to use, and the loan is quick. One second to Alipay, the daily interest rate is between 1.5-6.5. The initial interest rate is high, so it is used much, the repayment is timely, there is no overdue record, and the interest rate will gradually decrease. As long as the sesame score is above 600, Alipay uses more.

2. WeChat-Microfinance

Micro-loan is a loan product of Weizhong Bank. It is very convenient to apply on wechat. After entering WeChat, click "My"-"Pay" to see the entrance of micro-loan. Micro-loans will give a certain credit line according to the comprehensive qualifications of users, and interest will be calculated on a daily basis. You can also use the average capital repayment method to repay from the bank card every month.

3, Baidu-money to spend

Money is a personal consumption loan product owned by Du Xiaoman (formerly Baidu Finance). You can apply online without mortgage, complete the approval in 30 seconds at the earliest, and lend money in 3 minutes at the earliest. The loan can be repaid in advance with a maximum amount of 200,000 yuan and a minimum daily interest rate of 0.02%.

4. Suning-willful loan

The interest-free period for willful new users is not short. The longest interest-free period is 30 days, and the lowest daily interest rate is 0.02%. You can repay the loan in advance, up to 300 thousand. Online application will be automatically approved by the system, and it will take up to 3 minutes to arrive. There is no charge for the unused quantity.

The above contents are for reference only and do not contain any loan suggestions. Online lending is risky, so choose carefully!

How to inquire about personal loans?

If personal loans are handled through China Merchants Bank, you can inquire about the loans already issued through self-service channels, including: repayment date, repayment method, remaining arrears, number of remaining installments, credit line, start and end date of credit line, loan status, etc. If you can't find a loan through the following channels, it means that you don't have a loan in our bank ~

1. Mobile banking: repayment date, repayment amount, start date/expiration date of the line, number of remaining periods, etc. Please check [all my loan records]. After entering the page, click on the loan, and you can query the repayment method, interest rate, loan status and other information.

Tips:

① If it is a provident fund loan, you need to contact the local loan handling bank or provident fund management center.

② If you can't find it through this interface, you can contact online customer service to try to understand the reason.

2. Professional version key: You can log in to the professional version and click All-in-One Card-Loan Management-Personal Loan Inquiry to inquire about loan information.

Tips: At present, the Professional Edition doesn't support Mac system, so Apple computer can't log in to the Professional Edition.

3. CMB App: If your CMB loan has been issued, please log in to CMB APP, click Loan Management-Loan Record, and click the applied loan to inquire about the loan details.

What are the ways of personal loans?

1, personal loan channels are:

2. 1. Bank.

As a formal personal loan channel, banks have many advantages. However, applying for a loan from a bank requires a lot of information, high requirements and long approval time.

4. Second, the company.

5. Compared with the cumbersome loan process of the bank, the company not only has low application threshold, but also has simple procedures.

6. Third, the Internet financial platform.

7. Borrowing through the Internet financial platform is very simple and convenient.