10 The most reliable online lending platform: 1, Alipay Alipay is an app that everyone is familiar with. Its flowers, loans, online business loans and reserve funds can provide loan services for everyone, with a minimum amount ranging from 5 million to 300,000. According to everyone's sesame credit score, you can get different quotas, and the loan is relatively safe and reliable. 2. Having money to spend is a formal loan app recommended by Bian Xiao, and it is also one of the most reliable loan platforms in 202 1. The loan amount is as high as 200,000 yuan, and the credit is good. The per capita loan is 30,000-50,000, with a term of 12 months and 24 months, with daily interest, and the lowest annualized interest rate is only 72%. 3. The old platform of installment music is also trustworthy and a reliable loan application. At present, the maximum loan amount is 50,000 yuan, which can be divided into 36 months at the longest. For users with good credit or friends of pure white households, it is very easy to pass. You can get the account on the same day. The platform of 4.360 loan is more reliable. The 360 loan is a pure credit loan app under the 360 department. Users above 18 can borrow, with a maximum amount of 200,000 yuan and a loan term of 12 months. Interest is calculated on a daily basis, and new users have the opportunity to participate in interest-free activities. If you have the money to spend Baidu's credit loan, the requirements for the borrower are not very high. You can use your mobile phone to register your account, improve your personal information, provide a valid ID card and bank card to complete the authentication, and then you can get a loan after you get the quota. The system automatically approves loans, which can be quickly received. 6. Gome Easy Card Gome Easy Card has strict loan age requirements, requiring 18-45 years old. After you borrow it, you can return it with it, and the review is fast. 7.Lend You is an online platform with a loan amount of 50,000-200,000 yuan. Users are required to provide second-generation ID cards, savings cards and sesame credit sub-authorization. 8. New One Loan New One Loan is a credit product of Ping An Bank. At present, the maximum amount you can apply for is 500,000, and the longest installment time you can choose is 60, which is 5 years. 9. The maximum loan amount for white-collar loans is 300,000 yuan. The borrower needs to provide his valid ID card, work certificate, income certificate, marriage certificate and other materials. 10. Lending treasure is a cash loan product of Alipay, which supports cash borrowing. The maximum loan amount is 300,000, and the loan interest is calculated on a daily basis. The daily interest rate ranges from 0.0/kloc-0.5% to 0.06%. At present, Lending Bao does not support users to apply for opening on their own initiative.
Second, what is a formal lending platform?
According to the level of qualification and interest rate, it can be roughly divided into the following categories:
First, the five major banks and the head joint-stock banks
Many people's stereotype of banks is loans, that is, they have nothing for their own use except credit cards. In fact, this state has become a thing of the past, and now banks have comprehensively enriched their product lines. So at present, no matter the five major banks such as Bank of China, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank and Bank of Communications, or the major joint-stock banks such as China Merchants Bank, China CITIC Bank, Minsheng Bank, Industrial Bank, Ping An Bank and Guangfa Bank, they all have their own apps, and they can already apply for credit loans in their own apps. However, after all, it is the head office, and the risk control requirements are relatively high, so the entry threshold is also relatively high.
Second, city commercial banks and private banks.
In addition to some head offices, many local banks now attach great importance to online lending. At the same time, due to the technical investment of these banks in online lending for many years, their online technology is also very developed. Well-known, such as some local city commercial banks, such as Bank of Beijing and Bank of Shanghai, and many private banks attach great importance to this business. Private banks are familiar with microfinance and online banking. This part of the online lending platform does not have such a high entry threshold requirement, but the interest rate is not as high as that of the people, and it can also be used as a good choice.
Third, the online lending platform of well-known brands.
If the threshold of the above banking department cannot be reached, then you can only choose some non-bank online lending platforms. However, as far as the pure online lending platform is concerned, there are many pits, and you need to be more cautious when choosing. It is best to choose an online lending platform under a well-known brand. Relatively speaking, the well-known brands in this respect are Bai Jie (under the Ant Group), Du Xiaoman (under Baidu) and JD.COM Gold Bar (under JD.COM). COM)。 Although these are not banking financial institutions, after all, their group brands are very good, so they are also relatively reliable brands.
abstract
There are many online lending platforms, but what platform to choose depends on your credit level. Online loans that can be applied for according to credit can be selected from five major banks, joint-stock banks, city commercial banks, private banks and small loan platforms under well-known brands.
3. Which p2p online lending platform is safe, reliable and cost-effective?
Look at one of the third-party platforms.
4. Which online lending platform is safer and more reliable?
Keeping pace with the times, this is a good reputation, because their annualization is the highest, up to 18%, and the third-party guarantee custody mode adopted can greatly guarantee the safety of funds.