Baidu has four products, namely, education installment, home improvement installment, borrowing cash and renting installment. Borrowers can choose products that suit them. This is a great benefit for small partners in need, and Baidu platform is large and secure, and many small partners intend to lend on this platform. So, how can Baidu get a loan if it has money to spend? Today, I will introduce the operation process of Baidu's money-spent loan.
First of all, Baidu has the money to spend the loan operation process.
1. Download Baidu Wallet APP；;
2. Register Baidu account;
3. Click on the money;
4. Select the loan product to apply for;
5. In the application interface, enter your name, ID number, bank card and mobile phone number;
6. After the application is completed, wait for the loan.
Second, what are the characteristics of Baidu's four kinds of loans?
1. Education loan
Features: the audit speed is extremely fast, the process is simple and the handling fee is low.
Education loans are aimed at all college students, mainly to help them solve the problem of tuition loans. Since 20 13, Baidu Finance has provided quality and assured loan services to users who are willing to receive education all over the country, so that more people have the opportunity to receive education and realize their self-worth. Moreover, Baidu's education loan with money has always been the only remote credit service in China.
2. Housing improvement loans
Features: low rate, 15 second approval, flexible payment.
Baidu Finance provides high-quality and safe loan services for decoration users, helping users to solve the financial pressure and let more people enjoy a better life. Choosing a home improvement loan that Baidu has money to spend in the process of home improvement can better alleviate the cash pressure of buyers after buying a house, and the decoration companies that cooperate with home improvement loans are relatively well-known and big-name, which can better provide solutions for home improvement.
Borrow cash
Features: online borrowing, return at any time, recycling.
The credit revolving cash loan provided by Baidu Finance for Baidu users is pure credit, unsecured, convenient to apply, quick to approve and recycled, which meets the capital needs of users' daily consumption turnover.
How about Baidu financial loan? Is it reliable?
Small full loans are reliable. Find a small loan at will, with a maximum loan amount of 200,000, with a daily interest rate of 0.02% and an annualized interest rate of 7.2%. Borrow 10 thousand yuan a day, and the minimum interest is only 2 yuan. At present, Du Xiaoman and financial institution partners have served more than 10 million small and micro business owners and individual industrial and commercial households. In the next three years, Du Xiaoman will provide 30 million small and micro business owners with reliable comprehensive financial services to realize inclusive finance's dream.
Since its establishment, Du Xiaoman has always been committed to helping small and medium-sized enterprises and the real economy. In solving the problem of difficult and expensive financing for small and micro enterprises, he has continuously exerted the advantages of financial technology through practice and explored an effective path. Not only that, Du Xiaoman always regards reducing the financing cost of small and micro enterprises as one of the strategic goals of the company's development.
If you have more questions, you can find online customer service answers through Xiaoman APP. Remember, there is no deposit or verification fee for borrowing from Xiaoman, but you can take as much as you want. Please look for official loans and beware of counterfeiting.
Which loan platform is the best?
State-recognized 10 official online loan, top ten conscience loan platforms:
The top ten conscience loan platforms are all selected by network data, and it cannot be said which product is better. Different loan platforms have different application conditions and audit standards, and it can only be said that the one suitable for users is the best. Moreover, according to different selection criteria, the ranking of the top ten conscience loan platforms will change, and even the product names of the top ten conscience loan platforms on different websites are different.
Zhongan Small Loan: It can provide 300,000-200,000 credit loans to mainland residents aged 22-55, with the longest term of 12 months and the annualized interest rate as low as 7.2%. After the mobile phone number of the real-name registration system is required to register and log in, I can complete face recognition authentication with my valid second-generation ID card, and I can get a loan after binding the bank quota, which can be approved in 5 seconds at the earliest.
Doudou money: pure credit loan, only open to non-student users aged 20-50. You need to submit an application form at the client, take a photo of your ID card, and bind the bank card to complete the authentication, so you can get a loan. The amount is 30-50,000 yuan, which can be borrowed for up to 24 months, and the monthly interest rate is 0.65%- 1.79%. The system will automatically review, and the loan can be released as soon as the same day.
CCB Express E-loan: CCB has many loan products, including financing E-loan, pledge E-loan, car E-loan, car E-loan and express E-loan. The lowest threshold is the American Express e-loan. As long as you do business in CCB (such as saving money, buying wealth management, national debt, funds, loans, paying wages, etc.). ), you will have the opportunity to get a quota of 65438+ for a period of one year.
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
Anyway, Baidu Finance supports free prepayment. If it is not needed in a few months, you can choose to settle in advance. It doesn't matter to us how long the interest will last. Make sure to mention it first.
My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.
The third is that Ping An Bank can borrow up to 500,000 yuan in new loans (fast loans)! 0 mortgage 0 guarantee: no guarantee is needed, only personal credit is needed, and the application threshold is low: you can apply for a monthly income of more than 4,000 yuan (provident fund, mortgage, and insurance policy are all available).
Ping An Xin Yi Dai Click Online Measurement
Let's stop here for the introduction of Baidu Financial Loan.