Besides ant borrowing, what else is more reliable? We recommend a reliable lending platform besides ant borrowing.
Micro credit
In May, the first Internet loan product of Weizhong bank was launched on mobile QQ
At the end of September, the credit product was launched on wechat. The micro credit product adopts the user invitation system, and some users who meet the current credit conditions will be invited to use it. The entry of micro credit on wechat (version 6.2.5 and above) is "I wallet bank card loan". Users can take the initiative to view it in wechat, and the user with the "loan" entry at the bottom of the card list is the invited user. However, not all users have opened this function. The product selects the first batch of users who are in line with the experience through the wisdom of the white list. The service loan is provided by wechat Public Bank of Tencent. On the approval of the maximum amount of customers, it is between 20000 yuan and 200000 yuan, and the interest is 0.05% on the 15th, equivalent to an annualized interest rate of about 7% - 18%. The micro loan supports repayment with borrowing, and prepays the customers At the same time, daily interest rate is adopted. The upper limit of daily fixed interest rate for single customer is 0.05%, which is lower than that of credit card.
Jingdong gold bar
Jingdong gold bars provide registered users with cash lending services and consumer products. It is understood that Jingdong gold bar is still in the internal test stage, not all customers can open, only users who meet the conditions can get Jingdong gold bar.
Jingdong gold bars open conditions, about Jingdong gold bars, Jingdong financial disclosed little information, so it is not clear about its specific system audit standards. However, one thing is certain: to open Jingdong gold bars, two points must be met:
1. Open Jingdong white bar: Jingdong gold bar is a cash reception service tailored for white bar users. In fact, it is the exclusive service for Jingdong white bar users.
2. Good credit: only those who have good credit can use the gold bar service provided by Jingdong finance. If the credit is not good, no matter who will lend you money, otherwise, there will be a series of situations such as borrowing money and not paying it back.
Baidu money flower (temporary invitation system)
Platform: Baidu
Application channel: Baidu wallet app - money to spend - borrow cash
Application threshold: 18-55 years old, ID card, real name mobile number
Audit time: 2 hours
Amount: 500-100000 yuan
Repayment period: 3 / 6 / 12 months
Interest: from 1.5% per day
Xiaomi loan
At present, "Xiaomi loan" can achieve the steady speed of "three-step loan, two minute loan", meet the loan demand of ordinary people, and the housing loan speed ranks in the forefront of the whole small loan industry. For new customers, also launched a related promotional activities, such as 7 days interest free.
At the same time, "Xiaomi loan" loan interest repayment specification is transparent, it uses daily interest (that is, the interest on the day is the balance of the loan principal times the daily interest rate), monthly repayment in the form of equal principal and interest. Compared with the chaotic small loan market, it is full of account opening fees, account management fees, prepayment fees and other items
Xiaomi loan currently provides three repayment schemes of 6 months, 9 months and 12 months, and automatically gives the corresponding total repayment amount and monthly required repayment amount. At the same time, it can verify the identity of the lender quickly with artificial intelligence living recognition.
After the loan, the repayment date will be automatically added to the system calendar to reduce the credit overdue caused by the user forgetting the date.
P2P reliable platform
According to the report: as of the end of October 2017, the loan balance of P2P online lending industry was 1166355 million yuan. In October, the turnover of P2P online lending industry was 218.394 billion yuan.
Among them, the total loan balance of the top 100 P2P online lending platforms was 802.405 billion yuan, accounting for 68.80% of the whole industry. The total turnover was 142.262 billion yuan, accounting for 65.14% of the whole industry. Now let's show you the top 15 platforms, as shown in the table below.