10 Official online loan approved by the state:
1, Alipay-Ant Borrow
Borrowing is an Alipay loan product. According to the user's sesame score, the loan amount is different. The longest loan period is 12 months, and the daily loan interest rate varies from person to person. The daily interest rate is mostly between 0.03% and 0.045%, which can be repaid by borrowing.
2. WeChat-Microfinance
After WeChat launched micro-loans, many WeChat users were relieved. However, microfinance is only open to some users. Wechat will review the comprehensive qualifications of users, and those who meet the requirements can be invited. Users are not supported to take the initiative to apply for small loans.
3.JD。 COM- gold bars
Many users in JD.COM have been using JD.COM Gold Bar since it was listed in March 2065438+2006. The loan amount is relatively high, with a maximum withdrawal amount of 200,000. You can also borrow it and pay interest on a daily basis, which is very convenient.
4360 IOUs
360 IOUs are 360 financial loan products. The application materials are simple, and the monthly interest rate starts at 0.8%. You can wait for the interest to be repaid in installments, apply online, and it will arrive soon.
5. Gome Easy Card
The loan age requirement of Gome Easy Card is strict, and it needs 18-45 years old. After you borrow it, you can return it with it, and the review is fast.
6. Suning's willful loan
Strong willingness to lend to new users, the longest interest-free period is 30 days, and the maximum loan amount is 300,000, which can be repaid in advance and is convenient to use.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (original name: Baidu Qianhua, renamed as "Qianhua" in June, 2065438+08). The big brand is trustworthy and the interest rate is low. Money spent-full easy loan, the maximum loan amount is 200,000 (click the official free loan amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Which software can be loaned without interest?
Just look for small-scale, big brands that are formal and credible, and small-scale money to spend. The maximum loan amount is 200,000 yuan (click to calculate the amount), the daily interest rate is as low as 0.02%, the annualized interest rate is as low as 7.2%, and the lowest loan interest rate is 2 yuan 1 10,000 yuan. According to 30 days a month, the loan interest rate is calculated at 0.02% per day, and the monthly interest of the loan 1 10,000 yuan is 60 yuan.
Small amount of money has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security. Recently, Du Xiaoman Finance also launched the "Small Micro Gas Station" activity, and it is possible to get a daily coupon (the daily interest rate starts from 0.0 1%, and the annualized interest rate starts from 3.65%). The specific interest rate is subject to the final payment result. Limited number of rights and interests, first come, first served.
I'll share with you the application conditions of small amount of money: it is divided into two parts: age requirement and information requirement.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Du Xiaoman Financial Money Flower. Due to objective reasons such as timeliness, such as the answer content is inconsistent with the actual interest calculation method of Xiaoman Financial APP- Qianhua Loan page, this shall prevail. I hope this answer is helpful to you.
How to apply for an interest-free loan?
Interest-free bank loan is a form of credit activity in which banks lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.
Due to the different agencies and lending purposes of interest-free loans, the conditions for handling loans are also different. Only qualified users can apply for interest-free loans.
For example, the conditions of interest-free loans for college students' entrepreneurship:
1, at least 18 years old, with legal and valid identity certificate and legal residence certificate of the place where the loan bank is located, and a fixed residence or business premises;
2. The lender must hold a business license issued by the relevant industrial and commercial administrative authorities, engage in legitimate production and business activities, and have stable income and the ability to repay the principal and interest;
3. The purpose of the loan conforms to the provisions of national laws and bank credit policies;
4, investment projects, there is a certain amount of free funds. And opened a settlement account in the applicant bank, and the operating income will be settled by the bank in the future.
5. Open a settlement account in the bank, and the operating income will be settled by the bank.
After meeting the application conditions, the application needs to go through the following steps:
The applicant submits an application to the Personnel Bureau with relevant information, and the person in charge of the Personnel Bureau conducts a preliminary examination. After passing the preliminary examination, the Personnel Bureau will issue a recommendation form and evaluate the applicant's entrepreneurial ability. After the preliminary examination is passed, the local personnel bureau will review the applicant and submit it to the local guarantee institution. The guarantee institution guarantees the applicant, and the applicant carries the above information to the bank for examination and approval. After approval, an agreement can be signed to handle the loan.
Rural interest-free loan conditions:
1. The borrower has family difficulties and needs state support;
2. The borrower is honest and trustworthy;
3, the borrower to apply for loan support projects, is a national policy;
4. The borrower has full capacity for civil conduct and repayment ability.
Information required for interest-free loans
Student loan: university admission notice, student ID card or certificate of study issued by the university, and personal and * * * identity certificate of the same borrower. Poverty certificate issued by community neighborhood committee and village committee.
Entrepreneurship loan: laid-off workers who apply for entrepreneurship loan must submit a copy of the re-employment concession card issued by the labor and social security department; College graduates are required to submit copies of graduation certificates and unemployment certificates issued by the labor and social security departments; Veterans need to hold a copy of the certificate of discharge and unemployment certificate issued by the labor and social security department.
What are the interest-free loans?
Interest-free loan type
1. Policy category. For example, student loans or corporate loans that meet government support.
2. Interest-free car loan. This is more common. Many vehicles provide car loans at the time of purchase, which are generally interest-free for one or two years.
3. Credit card loan. According to relevant regulations, the longest interest-free period of credit card loans is 58 days. If you use a credit card loan to buy a car or buy it by installment, you can enjoy interest-free concessions.
What are the terms of an interest-free loan?
1. 18-45 years old China people with full capacity for civil conduct.
2. The address is stable, and it is best to have a household registration in this city.
3. Good credit record, stable working income and timely repayment.
The above are the three basic conditions for interest-free loans, and their requirements will vary according to the types of interest-free loans and will change with the changes of local policies.
Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.
One routine of interest-free loans is called interest-free, but interest is harvested in disguise in the name of charging service fees, handling fees and benefits. The final annualized interest rate is likely to be several times higher than the loan! If you believe in loans from unknown sources, you may pay a higher price.
Furthermore, interest-free loans claim to be simple and quick to pay, but it is very likely that your personal information will be sold as soon as you turn your head. Imagine that the ID number, address and family income information submitted when you fill in the information are likely to be exposed to people. Even more frightening, you may need to take photos or record videos with your ID card. Once these personal information are sold by unscrupulous organizations, you will face terrible unknown dangers.
Is there really no interest-free loan? In fact, there are some government student loans, business loans, agricultural loans and so on. , are interest-free loans. Because of the policy support, they don't need interest, but these loans are aimed at specific people. For example, applicants for student loans are limited to college students with difficult family conditions, and lenders also need to meet the conditions stipulated by the state.
What are the personal small interest-free credit loans? It is not difficult to find a small interest-free loan.
After people apply for a loan on the platform, they must pay the corresponding loan interest according to the provisions of the platform. However, there have been some interest-free credit loans on the Internet recently, and people can choose some reliable interest-free credit loans according to their own needs. What are the personal small interest-free credit loans? What are the small interest-free loans? Recommend several good small interest-free loans to everyone.
Magic cash
Magic cash is a small credit loan with a maximum amount of 5,000 yuan. If you don't check the credit information, there is little information. Just add the mobile phone number of your ID card, and you can easily complete the loan in 3 minutes. Users can get cash quickly and solve all kinds of urgent needs, whether renting a house, traveling, dating or buying a mobile phone. Magic cash makes your money worry-free.
xiaohua wallet
Xiaohua wallet is a loan product that can borrow money quickly. Users can quickly get a loan of 1 1,000-20,000 yuan through this loan slot, and it only takes 10 minute at the earliest. The application process is very simple and convenient, and no credit report is required. You can return the credit card or borrow cash. Self-employed and office workers can apply and spend whatever they want at any time and place.
make a touch
Borrowing treasure is a convenient way of micro-loan, where you can borrow 300- 1200 yuan at any time, and you can enjoy double the amount as long as you repay the loan on time. Ignore black and white users, just need simple information such as real-name mobile phone number and ID card. As long as 18 years old or older, students, office workers, freelancers and self-employed people can apply for loans on the same day.
Quick loan
There are two modes of quick loan: quick loan and large loan. The former has a small amount and fast loan, while the latter has a large amount and a long term. For the first time, it is recommended to borrow at a high speed, with a maximum amount of 8000 yuan. There is no need for credit reporting. You only need to provide basic information such as mobile phone number, Taobao account number and bank card to apply for online banking, and the loan will be released within 2 hours at the earliest.
Xing Xing Chiyo
Students need graduation interval greater than or equal to 1 month; Office workers need a real-name registration system with a mobile phone number for 5 months, and the debt ratio does not exceed 80%. If the borrower meets the application conditions of Star Wallet, depending on the borrower's personal qualifications, Star Wallet will provide the borrower with a loan amount of 200-50,000 yuan, and the loan will be released within 2 hours at the earliest after approval.
What are the personal small interest-free credit loans? To sum up, the above is the small interest-free loan recommended to you. These loan platforms mainly provide small loan services for borrowers, and the application process is very simple. Borrowers who apply for loans on this platform only need to submit their true and effective information. After systematic review, borrowers can obtain small interest-free loans, making their loans stress-free.
Is there any interest-free bank loan?
Yes
Interest-free loan is a form of credit activity in which banks or other financial institutions issue monetary funds at a certain interest rate and must repay them. The interest rate is charged free of charge by the bank according to the agreed conditions, or paid by the government or corresponding institutions. As we all know, an interest-free loan is a loan given to you by a bank. You don't need to pay any interest, just repay the principal. So, how can I get a loan without paying a penny of interest? What are the common interest-free loans provided by banks?
I. Student loans
Student-origin student loans are for children from poor families who are eager to study. During their college years, student loans do not pay interest (except commercial student loans). After graduation, the borrower pays the loan interest at the basic interest rate in September of the year of graduation.
2. Policy loans, curve clearance
Anyone with insurance can apply for a loan through a policy, and then pay it to the insurance company through a credit card for transfer. Not only can you get funds from the insurance company, but you can also make interest-free consumption through the interest-free period of the credit card. This is the safest method, and there is almost no interest.
Three. Risk loan
Venture loan refers to a special loan issued by an individual who has a certain production and operation ability or is engaged in production and operation and is recognized by the bank, effectively guaranteeing the funds needed for his application for starting a business or starting a business.
JD.COM Bai Hua, IOUs, Meituan Monthly Payment and other products can enjoy interest-free concessions if they choose to return the consumption amount in full when repaying. For users who apply for cash loans, they can withdraw the loan funds to bank cards. At this time, the loan is not interest-free, and the user must repay the interest according to the page. If users want to apply for interest-free loans, they can try to open products such as Huabei, IOU and Meituan Monthly Loan. But if they need a cash loan, there is no interest-free cash loan.
Data expansion
Interest-free loans, that is, government subsidized loans, refer to eligible borrowers who go to designated banks without paying interest, as long as they repay the principal. The interest on these loans is paid by the local government finance.