1, 360 IOUs: 360 online loan platform for several subjects, convenient and quick to borrow money without mortgage guarantee, at least 18~55 years old, with good credit and repayment ability, and not all students can try it. Usually, it is automatically approved by the system, and you can borrow money quickly after submitting the application.

2. Zhaolian Good Term Loan: one of the popular credit loan products in Zhaolian Finance, it can also be borrowed directly online. Borrowers who meet the requirements can register their accounts with their mobile phones, fill in all the information and submit them, provide their ID cards and bank cards to complete the authentication, and then they can borrow money after obtaining the system credit. Those who have borrowed it say it is good and the lending speed is very fast.

3. Withdrawal of money: The amount of withdrawal of money starts at 1000 yuan, up to 200,000 yuan, and the longest loan is 12 months. It is also an unsecured credit loan, and the down payment rate has been very stable. The borrower has no bad credit, has stable repayment ability, meets the basic loan requirements, and can borrow money quickly if the comprehensive score reaches the standard.

4, money to spend: a small online credit loan, the maximum amount of 200,000, low interest and fast lending. At least 18~55 years old, with good personal credit and stable repayment ability, it is easier to borrow money. There is no need to provide any qualification information during the loan process, just fill in simple information online, provide my valid ID card and bank card, and complete real-name authentication.

5, 58 Easy to borrow: 58 financial credit loan, the maximum loan can be150,000, and it is also one of the better loan platforms. Non-students aged 22-50 use real-name registration system mobile phone number to register their accounts, fill in the basic information and submit it, then upload their ID cards and bank cards to complete the authentication. They can borrow money through the system credit, and they can get money on the same day when they borrow money.

The above is the relevant introduction of "Easy-to-use loan platform ranking". Of course, there are far more than five platforms for friends to borrow money, and JD.COM gold bars and borrowing bai are also good. Note that no matter which platform you borrow money from, it is best to develop good repayment habits, and it is not difficult to borrow again if you have borrowed.

Extended data:

Online loan application conditions:

I. Applicant

Online loans will require applicants to be at least 18 years old and have full capacity for civil conduct, and many online loans are not allowed for students to apply.

Second, Sesame Credit

Many online loans need the authorization of sesame credit, so online loans need the applicant's sesame credit to be good, but different loan products have different standard requirements for sesame credit scores. Generally, applicants need to reach about 500% or 600%.

Third, personal credit

Some online loans need to check credit information, and some don't, but in general, it still needs the applicant's good personal credit.

Fourth, other conditions

Online loans basically require mobile phone numbers and bank cards. Especially the mobile phone number, the online loan will require the applicant to have a mobile phone number with real-name authentication for 3 months or more.

Of course, different online loan products may have different conditions, and the actual situation is subject to the product page display.

Overdue repayment of online loans will cause the following adverse consequences:

1. Default interest will be charged from the day when it is overdue until the customer pays it off in full. However, the penalty interest rate of many loan platforms will rise higher than the borrowing interest rate. If customers have been in arrears, I am afraid there will be a lot of penalty interest. At that time, more and more customers will have to pay back, and the repayment pressure will increase.

2. The loan platform will submit the overdue situation to big data, leaving a bad record in it. However, some platforms or their cooperative lending institutions have access to the central bank's credit information, and may also report the overdue situation to the central bank for credit information, leaving bad information in the customer's personal credit information report, thus causing the customer's personal credit to be damaged.

3. I am afraid that the platform system will launch risk control on the customer's loan account and freeze the quota, so that the customer can no longer borrow. At the same time, because the credit is damaged, customers will probably be blocked from borrowing from other lending institutions, platforms or banks. After all, the other party will also check the credit status of customers when approving, and once problems are found, they will naturally refuse to approve loans.

Second, what platform is good for borrowing money quickly without looking at credit reporting?

The platform of Xiaoman is quite good, the review speed is very fast, and the application threshold is not high. If it is not too small, it depends on the credit information. My sister and I opened a nail salon together, and we used too much money when we first started decorating. Seriously, very reliable? The daily interest rate is only 13,000 yuan, and I paid it back in advance after a few months of loan turnover, which has no effect on credit reporting!

Third, which is better to borrow quickly?

In other words, the channels of loan, in a broad sense, are all the channels that can be borrowed, including intermediaries (the existence of this thing is to give you a handling fee and help you find loans from large and small channels); In a narrow sense, the formal management organization, the contract signing lender. In a narrow sense, it is actually a channel, so it is classified by institutions: 1. Bank. Not too general; Small demand: credit card (this consumer demand is very practical); General demand: consumer credit loans (5-30w), stable customers with good basic work, this depends on banks, such as China Bank, Huaxia Bank, Shanghai Pudong Development Bank, etc. TZ did not ask for interest, so it did not start. Mortgage loan and real estate mortgage are the mainstream, and basic commercial banks do it. Large demand: commercial loans, credit and mortgage, this is related to the bank's preference for enterprises. Summary: In principle, bank interest is the lowest in the market. Of course, there are certain requirements for customer qualifications. Before, many customers just didn't know whether their qualifications were good or not. Let's write a special topic in this area another day and discuss it. 2. Small loan companies. This is that private institutions have a large amount of capital. Companies such as Ping An Pratt & Whitney, CreditEase, Jieyue, You and I Loan, etc., and various localities also have their own capital institutions. Here is basically a credit loan, with a small amount, ranging from tens of thousands to150,000', followed by car loan, mortgage loan by car, and generally there are car loan institutions in the local area. Summary: the interest is basically about 2 points. If the conditions are good, it will be 1 minute. 3. Online lending institutions. First of all, I am very optimistic about JD.COM White Stripes, Ant Flowers, Ant Loans and Micro-loans. Although they have never been used. . . . . Secondly, many institutions are also doing internet data uploading and lending, which has not been studied yet. 4. Parents and friends. This channel is not out of the question. When a friend does business, his parents owe him 390,000 yuan with 0 interest. . It's really the most cost-effective family financial management. If you don't borrow, your parents' money will be put in the bank, and he will borrow it from the bank, right? Even the national benchmark interest rate is ok. . . .