Which online lending platforms have payouts, and what are the legal online lending platforms

It is recommended to choose formal banking channels to apply for loans, and here we recommend the online quick loan launched by the Agricultural Bank of China.

Netfast Loan refers to a small consumer loan issued by ABC in cash to individual customers of ABC who meet certain conditions, and is self-applied for, quickly received, automatically approved, and self-service.

2) The borrower understands the product situation, the basic conditions of the loan and the handling process.

3) Fill in the basic information, the term of the loan to be applied, the borrowing and repayment account, the mailing address, etc.

4) The system verifies the validity of the mobile phone number.

6) Confirm the loan information, the amount of the loan to be applied for, the purpose of the loan, etc.

If you need to apply for other loans, please refer to the loan page on the official website of our bank for details.

At present, the formal online loan platforms recognized by the state mainly include: 1. Ping An HP, 2. Jingdong Finance, 3. Suning Finance, 4. Paipai Loan, 5. Micro Loan, 6. Borrow, 7. Xiaomi Loan IOU, 9. Money to spend, 10. Zhaolian Good Loan.

1. Top 10 legal online loans in 2020

1.Ants borrow.

IOUs. 3.There is money to spend.

4.Micro loans.

5.Gome Easy Card.

6.Ping An i Loan.

7.JD Gold Bars.

8.Ease flowers.

9.Meituan living expenses.

10.Zhaolian good term loan.

2. Introduction to online lending platforms

1.Ants borrow.

Maximum borrowing amount: 200,000.

Ant Borrowing is a service that Alipay has withdrawn from, and it is a relatively formal online lending platform, as long as Alipay sesame has a score of more than 600, you can take out a loan on Ant Borrow, which is very convenient.

IOUs. Maximum borrowing amount: 200,000.

360 has also launched a loan service, people can make formal loans, 360 IOU loan is one of the top 10 formal online loans in 2020, its threshold is very low, the arrival speed is also fast, can meet the needs of many people.

3.There is money to spend.

Maximum borrowing amount: 300,000.

This is its loan platform, there are many different loan businesses that can meet the different loan needs of different people, not only the amount is relatively high, but also the interest rate is low, whether it is borrowing or repaying money, it is more flexible.

4.Micro loans.

Maximum borrowing amount: 300,000.

Micro Loan mainly adopts the invitation system, which means that not everyone is eligible for loans, only a small number of people can borrow on it every year, and the interest on the loan on this platform is calculated on a daily basis, and the comprehensive interest rate is generally about that.

With the continuous development of social economy, in real life, we will always encounter all kinds of problems, especially for the current online loan platform, is it really legal? In fact, we have to know that the current ** platform is not legal at all, and there are many online loan platforms that are already violating national laws and regulations, and the reason why online loan platforms are illegal is also because the interest rate of online loan platforms is quite high.

First of all, we have to understand this problem, that is, many loan platforms are actually very illegal, and there are also big legal loopholes, and it is precisely because of these reasons that we can go to many app stores to search for apps that are not searchable, and can only go through the web page, but when we ** these apps, we will find that once we take out a loan, the interest we need is very high, and it is even likely to cause us to be in just a few years, it will go from hundreds of thousands to millions.

So we can obviously know that because these loan platforms are very illegal, in real life, these loan platforms will promote to users through web pages, or through artificial ways to promote their own APP, and when users start loans, they will promise users that they will not charge any interest, and they do not need any ID cards, nor will they be bound to personal credit, but once we are repaying, there will be all kinds of problems. The platform will prevent us from repaying in various ways, and then when we are overdue, they will charge us accordingly.

To sum up, we can obviously know that in fact, many online loan apps are very illegal, so in real life, we are absolutely not able to go to online loans, which will have a serious impact on our lives, which is definitely not what we want to see.

Nowadays, there are many online loan platforms that are not legal, but there are also many legal ones. Therefore, you must take out an online loan according to your own needs, and you should also go to the bank for a loan when necessary, do not borrow from the Internet, but you don't need to worry, if you are cheated immediately, you can immediately go to the police, and you can recover your money.

As a form of Internet finance, online lending does not violate relevant laws and regulations. However, if a person deliberately attracts others to borrow money at a high interest rate and uses the funds for arbitrage, or deceives others into making loans, it will constitute a crime and will be investigated for corresponding criminal liability.

Some are legal, some are illegal, some have also obtained some national certification qualifications, and some are only small amounts, which belong to the place of deception.

Illegal. Some of today's online loan platforms are all usury, and the collection methods are all violent collection.

Formal online loan platform:

1.Yirendai, which was launched by CreditEase in 2012, was listed on the New York Stock Exchange in 2015.

2.Founded in 2010, Renren Loan, a loan platform of Youxin Financial Service Banner, is one of the earliest online lending platforms in China.

3.Lufax, a platform owned by Ping An, was established in Shanghai in September 2011 and is supported by the city.

4.Founded in June 2007, Paipai was listed on the New York Stock Exchange in 2017 and is the first online lending platform in China.

Extended Information] Online lending, foreign name is Internetlending, P2P online loan is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through Internet platforms. It is a subcategory within the Internet Finance (ITFIN) industry.

The number of online lending platforms in China grew rapidly in 2012, with about 350 active platforms so far, and 3,054 as of the end of April 2015.

In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Lending Risks jointly issued the Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending to support the access of P2P online lending institutions to the credit reporting system.

The essence of Internet finance is still finance, and it has not changed the characteristics of financial risks that are hidden, contagious, extensive and sudden. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation.

By encouraging innovation and strengthening mutual support in supervision, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and irregular behaviors.

Online lending includes individual online lending (i.e., P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms. Direct lending on individual online lending platforms falls within the scope of private lending, and is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law, and the relevant judicial interpretations of the Supreme People's Court.

Online micro-loans refer to the micro-loans provided by Internet enterprises to customers through the microfinance companies controlled by them. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.

Hello, the current online loan platform on the market, including a lot of problems, if you want to find a loan company for a loan, I recommend that you find a large company to operate a loan platform.

However, in view of the fact that the existing online loan market is very chaotic, there are many situations of high service fees and high interest, such as normal installment payments, which lead to high principal and interest (but not more than the national law), as well as the high service fees agreed in the signing of the contract, and only one day overdue, will also generate high interest, and the collection of the collection company will be directly affected. I think the best option is to find a bank for loan business, after all, the bank's business process is supervised by the State Banking Regulatory Commission, both the interest rate and the procedure are the most secure under the current situation. In addition, the loan industry is really chaotic to be honest, and many people will have problems even if they take the formal loan route, so it is recommended to apply for a loan at a bank even if it will be more complicated.

You can refer to it, I hope you can consider it.

Question: I have borrowed a lot of online loans, I don't know which one is on the credit report, can you help me take a look.

Questions and answers. Suning Finance's credit information, the customer's lending behavior in Suning Finance will be truthfully recorded in the central bank's credit system, in which the customer's multiple loan records in Suning Finance will be combined and reported to the credit information system, and displayed as a loan record in the credit report, not a single display. In addition, if Suning Financial Loan is overdue, it will not only incur overdue penalty interest and liquidated damages, but also the overdue information will also be reported on the credit report, which will discredit the personal credit report.

If you have this, as long as you have a credit report, your credit will be affected.

Haier Consumer Finance is a licensed consumer finance company, and Haier Consumer Finance has fully connected with the People's Bank of China's credit information, and the loans applied for by Haier Consumer Finance or the loans issued by Haier Consumer Finance are all on the credit report.

The installment is easy to go on the credit report. According to the relevant regulations of Easy Installment, users also need to check the "Personal Information Inquiry and Use Authorization Letter" to borrow in Easy Installment, which means that when users borrow, as long as they inquire about the loan amount, they will leave a loan approval inquiry record in their credit report.

Haier Finance and Easy Installment are also on the credit report.

Question: Is the interest rate of installment easy so high also on the credit report?

Almost all online lending platforms are very pitiful, and there is no doubt about it.

I would like to use this question to popularize the concept to the subject, under normal circumstances, never apply for an online loan. You may be attracted by the advertisements of online loans, and some online loans even withdraw from the so-called gimmick of a few ten-thousandths of a daily interest rate, but in fact, the annualized comprehensive interest rate of these online loans is very high, and basically can reach the level of loan sharks.

All the current online lending platforms are very pitiful.

You can think of an online lending platform as a kind of loan supermarket that gathers many online loan products, and when users register their personal information on such online lending platforms, they can apply for corresponding loans through unified credit management. These loans are all small-amount online loans, which can generally be applied for through the user's personal credit information. It is for this reason that it is difficult for users to apply for a high credit limit, but the interest rate is very high.

Online loans can affect your personal credit reporting.

The reason why I would say that all online loan platforms and online loans are very pitiful is mainly because your online loan record will directly affect your personal credit. Regardless of whether the online loan you applied for was approved or not, and whether you got the money or not, these application records will be reflected on your personal credit report. Just imagine, if a person frequently applies for various online loans in a short period of time, everyone will assume that the person's personal credit is worrying

It is recommended that everyone stay away from online loans.

It is well known that online loans are harmful, but there are still many users who take the initiative to apply for online loans. One of the characteristics of this type of user is that they are financially weak, and they don't even have a basic APR. It is precisely for this reason that such users are in a very poor financial situation, and they maintain their debts by frequently applying for online loans, which will make them fall deeper and deeper.

To sum up, all online loan platforms are very pitiful, and I don't recommend taking the initiative to apply for these online loans. If you're strapped for cash flow, you can solve the problem in a realistic way.

I think that Jingdong Baitiao, Borrow, Huabei, Ctrip, Lai Installment, these platforms are particularly pitiful, so you must look clearly when taking out online loans.

Many online loan platforms are very pitiful, and the most pitiful I have experienced is the interest rate of cutting heads, the interest on their platform is still very high, and it is not very formal.