There is also a formal borrowing platform like Ant Borrowing 360

Now there are many ways to apply for a loan, you can apply for a bank loan through a mortgage, and a more convenient way is to apply for a personal credit loan. It is recommended that you use Youqian Hua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqian Hua, renamed as "Youqian Hua" in June 2018), a big brand with reliable and low interest rates.

There is money to spend - full easy loan, the maximum amount of borrowing is up to 200,000 (click on the official measurement, the daily interest rate is as low as the start, with the characteristics of simple application, low interest rate and fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.)

Application conditions to share money with you: 1. Age requirements: between 18 and 55 years old.

During the application process, you will need to provide your second-generation ID card and debit card. Note: Only debit cards are supported, and the application card is also your debit card.

My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, please borrow reasonably according to your needs, and the specific product-related information is subject to the actual page of Youqianhua's official app. I hope this is helpful to you, click below on the mobile phone to measure the amount immediately! The maximum borrowing amount is 200,000.

What I've been using is Du Xiaoman's money to spend, Du Xiaoman turned out to be finance, I guess everyone knows it, few people don't know, big brands must be much more reliable than small brands. And the interest rate of money is also low, I can borrow 30,000 yuan at a time, and the next payment is very fast, and I don't have to think about other companies when I see his products.

In recent years, there have been many online loan platforms on the market, and here are three formal and reliable credit loans, namely Borrow, Weparticle Loan and Du Xiaoman Finance.

The borrowing in Alipay is a borrowing service for personal consumption. It is understood that the daily interest rate of borrowing is between, and the maximum amount that can be borrowed is 300,000 yuan.

WeLoan is an Internet microfinance product launched by WeBank, which has been launched on QQ and WeChat on mobile phones. The maximum amount of micro loan is 300,000 yuan, with interest calculated on a daily basis, and there is no penalty for early repayment.

Youqianhua, formerly known as "Youqianhua", is a credit brand under Du Xiaoman Finance (formerly Finance), which provides users with safe, convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

These three big-brand loans all have the advantages of easy application, low interest rate and fast disbursement.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

1. Personally, I think 360 IOUs.

A little better. 2. If it is calculated according to the interest, the ant borrows.

The daily interest rate is converted into an annual interest rate.

The interest rate is basically twice the bank rate. Interest is calculated on a daily basis for 360 IOUs, with the lowest daily interest rate, which is roughly the same as that of Ant Borrowing.

3. If calculated according to the quota, the maximum amount of 360 IOU is 200,000 yuan, which is a little higher than the amount of borrowing.

4. If calculated according to the speed of lending, 360 IOUs do not need to submit complex personal materials and financial certificates, and it only takes 1 minute from review to disbursement at the earliest, and it supports borrowing and repaying at any time.

There is no big difference between IOUs and IOUs in terms of interest and amount, and 360 IOUs have a lower loan threshold and no sesame credit.

Score limit, borrow a little faster. If calculated according to the interest, the annual interest rate of Ant Borrowing is, and the annual interest rate of 360 IOUs is basically kept around, so in this way, 360 IOUs are better.

The detailed comparison is as follows.

1. Staging time.

Money-spent: up to 24 installments.

Borrowing: up to 12 installments.

2. Interest rates. Money-to-spend: Full Easy Loan (minimum, exclusive loan) (lowest, borrow and repay at any time.)

Borrow: The daily interest rate of the loan is to borrow and repay at any time.

Click below on the mobile phone to measure the amount immediately, and the maximum amount you can borrow is 200,000.

Both of these are loans that belong to large companies, and both belong to the more formal. Now it depends on which one has a lower interest rate, and you can choose the one that is lower.

There is no comparison. The borrowing limit can be borrowed and repaid at any time.

If you have money to spend, you can't borrow it if you have a quota. It is a lie to say that the quota is recycled.

It has never been overdue, and it is always repaid on time. When you have money to spend in 2018, it's almost the same as borrowing.

Now it can't be compared. Capital turnover is still the first choice to borrow.

I think both are good in terms of security, one is a loan from Baidu, and the other is a loan from Alibaba, both of which belong to the BAT giants. Then I'm going to take a look at which one is more affordable, I feel that the money spent on the loan interest and the amount are better, the interest rate of the money is too low, the lowest can be reached, I still choose the money to spend, the amount is also high, the highest is 200,000.

Of course, it's an ant borrowing! Borrowing is the most humane, no matter what form of repayment, the amount will be restored immediately, whether it is settled in advance or repaid in equal amounts every month, you can restore as much as you repay, which is stronger than Youqian Hua, Meituan borrowing money or other platforms. Borrowing will also continue to increase your borrowing limit based on your compliance record and credit rating.

I prefer to have money to spend, and I only need a bank card to borrow money, which is relatively simple, which is more suitable for simple-minded people like me, and the approval and arrival are fast, and the interest is relatively low, as long as you pay attention to repaying on time.

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.

At present, there are many people who can borrow money on the Internet, and it is recommended to pay attention to two major elements when choosing, one is to choose a trustworthy big brand; Second, it is necessary to pay attention to the clear and transparent service details of the loan product, such as the amount that can be borrowed, the interest rate of the loan, the repayment time, the repayment method, etc. Only by choosing a reliable loan product can you meet your urgent need for money while ensuring that your personal interests are not infringed.

Interest on borrowings.

The borrowing interest rate of 360 and Ant is not fixed.

The daily interest rate is 360, and the lowest daily interest rate is 10,000;Interest rates are calculated on a daily basis. The daily interest rate is between 10,000, 15,000 and 6,000. Since each account has a different comprehensive assessment, the interest rate is different.

The interest rate will be assessed based on the account situation. Therefore, it is not possible to raise or decrease the interest rate at any time, but rather to lower it, and it is advisable to maintain good repayment habits.

Repayment 360 IOU, if the repayment is made in advance, the interest paid will be settled according to the actual number of days used, there is no grace period for overdue repayment, and the application for deferred repayment is not supported.

In addition, ants can also borrow an advance payment, and many can be paid in advance. An advance payment can only be partially refunded, and many must be repaid in full in advance.

Overdue interest. From the date of overdue, 360 IOUs charge the overdue amount at 50% of the agreed interest rate. Overdue interest is compounded according to the penalty interest standard. Late payment penalty interest = overdue principal * daily comprehensive interest rate * 50 * overdue days.

In addition to continuing to charge interest on the overdue amount, Ant must also pay an additional penalty of double the interest rate of the loan until the arrears are paid, including penalty interest.

Generally speaking, a certain grace period is given according to the comprehensive evaluation, and the better the comprehensive evaluation, the longer the grace period, but the long-term overdue will still affect the credit investigation.

Ant borrowing overdue can also affect credit reports, including central bank credit and sesame credit.

Test your quota! You can borrow up to 200,000 yuan, and the fastest is 30 seconds for approval and 3 minutes for payment.

Which is more suitable, 360 IOU or ant borrowing, needs to be evaluated from multiple dimensions. I believe that everyone has their own judgment. Whichever one they choose, they should repay it on time and maintain a good performance.

It is better to borrow a large amount of money from ants, and the maximum loan amount for ants is 300,000 yuan;

For small loans, 360 IOUs are better, and the maximum loan amount of 360 IOUs is 200,000 yuan.

IOU:

Based on sufficient social network data, a credit reporting system is established, which will sort out the credit behavior portrait of each user and grade the user's credit limit.

Establish a credit score calculation system based on the user's social circle, and use the user's personal connections as a reference for credit rating.

Establish a whitelist and blacklist system to open a green channel for users with high-quality credit, and on the other hand, provide blacklist user inquiries to prevent users from applying repeatedly, applying for information other than themselves, false information, etc., to prevent gang fraud.

2. Ant borrowing:

The threshold for application is a sesame score of 600 or more. Depending on the score, users can apply for loans ranging from 1,000-300,000 yuan. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

Users with a sesame score of more than 700 points and excellent credit can also apply for a "good loan" (a product of Zhaolian Financial, in cooperation with Alipay), with a limit of between 2,000 and 10,000 yuan, and the loan term is divided into months, which can be repaid at any time, with interest calculated on a monthly basis, and interest calculated on a daily basis in the month of repayment, and the repayment method is equal principal and interest.

Ant Loan and 360 IOU are both pure online credit loan products, in fact, which of the two is better mainly depends on the judgment of different users. After all, each user's judgment criteria are different. The maximum loan amount for Ant borrowing is 300,000 yuan, and the maximum loan amount for 360 IOUs is 200,000 yuan.

360 borrow 4800, divided into 12 months, can not be repaid in advance, 1 month 478, 12 months of interest you will know.

360 is a piece of garbage, and the interest rate is high.

Both of these are formal platforms, depending on your preferences.

The interest rates are about the same, they are all regular platforms, and they are all very good.

Ants borrow to rest assured,

It's all good, but I personally think the interest on 360 IOUs is more cost-effective.

It's better for ants to borrow.

Backed by Ali Microfinance and Alipay, Ant Borrowing has a higher brand awareness and is naturally more trusted by borrowers. Moreover, the credit approval is more lenient than that of banks, and borrowers who cannot obtain loans through banking channels can apply for ant borrowing. The current application threshold is 600 or more sesame points.

The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is.

Generally speaking, if you do not take the initiative to repay the loan on the repayment date, Ant Borrow will automatically deduct the money in the balance, savings card, and Yue Bao for repayment. After the borrowing is overdue, the platform customer service will generally call ** or send SMS reminders, and the initial collection is mainly based on reminders and a good attitude.

"Ant Borrowing" is calculated on a daily basis, the daily interest on the loan is, and the converted adult interest rate is that if you have money in advance, you can repay it in full directly, and you only need to calculate the daily interest. If it is repaid in advance for each installment, it is also calculated on a daily basis, and no interest will be calculated from the day after you repay the loan to the last date of the current period.

360 IOUs are a little better.

360 IOU is a credit brand of 360, which will evaluate customer credit based on 360's big data to provide consumer loans. Therefore, the efficiency of financial services can also reduce costs. Combine advanced face recognition technology with big data approval models to improve user experience.

The application process of 360 IOUs adopts the mode of online approval, and the application process only needs to submit the borrower's ID card and bind his or her savings card to complete the application. After the review is passed, it can be immediately and immediately received.

The loan requirements of 360 IOUs focus on the central bank's credit system, which is more suitable for people with good credit, and it is difficult for black households to apply. A 360 IOU is a small loan that can be provided to friends with good credit. The loan amount can reach 200,000 yuan, and the term is not more than 12 months.

360 IOU is established with the People's Bank of China, when handling 360 IOU, you need to provide a right search to inquire about the credit, 360 IOU will be authorized by the user to carry out the People's Bank of China's credit inquiry, combined with 360 big data for evaluation, give the authorization amount. The total quota will gradually increase with the accumulation of your credit history, and it is recommended to maintain a good borrowing and repayment record, which will be helpful for the subsequent increase in the limit.