1. What are the online lending platforms?
As shown below:1.360iou. The maximum amount is 200,000 yuan, which can be granted at one time and can be recycled. The pass rate is very high. It is enough to apply online for the whole process, up to 5 minutes. 2. Safe little orange blossom. Micro-credit loans launched by Ping An Consumer Finance can be handled as long as they have a college degree or above, requiring stable income and good credit information, with a daily interest rate of 0.039%. 3. baixin bank, with a loan amount of 5 million to 200,000 yuan, supports conventional bank loan products such as pay-as-you-go payment, daily interest payment, early repayment and no handling fee. 4. raise money to spend. For the products of consumer finance companies, the application threshold is low, and loans can be obtained at the age of 18-55. Everyone except students has the opportunity to get the quota, and the deadline is 1- 12 months. 5. Ten thousand E loans. The maximum amount of Wanda Loan APP is 50,000, at least 18 years old, with stable sources of work income, strong operability and high pass rate. 6. Gome Easy Card. Daily interest rate: 0.03% and monthly interest rate: 0.88%. The loan speed is related to the borrower's credit and qualification, and the amount is between 1000- 150000.
Two. Conditions and procedures for individuals to borrow money from banks
As shown below: 1. The information needed to apply for a personal loan from a bank includes personal identity certificate, work certificate and income details, and personal credit information will be inquired. It may be easier for employees of state-owned enterprises to apply for loans. In addition, the higher the income, the higher the loan amount users can get. Personal bank loans usually require users to have no overdue records, so a good credit record is a necessary condition for successfully applying for bank loans. 2. At present, many banks have opened online banking, and users can directly apply for submitting materials on the bank's mobile phone client or online in official website. After submission, the bank can arrange special auditors to confirm the real situation of the loan applicant through face-to-face, telephone audit and video audit. After the approval, users can wait for the loan.
To sum up, try not to borrow money on informal platforms, otherwise the interest will be too high for you to afford, which will affect your personal credit history. If you want to borrow money on a regular platform, you can borrow as much as you can, so as not to pay it back. If it is serious, it may be sued to the court.