1, small and micro learning loan app. Micro-learning loan is a special loan product for college students. The loan amount is the lowest in 200 yuan, and the highest is 2000 yuan. According to the repayment ability of college students, we provide a flexible repayment cycle with a minimum of 7 days and a maximum of 30 days. If the loan is approved, the money will be transferred to Alipay account, which will arrive in about 1 hour. The interest rate is one thousandth of the daily interest rate.
2. classmate loan app. The classmate loan app is a platform for college students to provide cash loan services in emergency turnover, holiday travel, education and training. There are a number of graded products under its banner, among which the "mini loan" amount is 600-5,000 yuan, and the longest loan term is 12 months; Emergency wallet "500 yuan, interest-free within 7 days; The interest-free limit of closed travel venture fund is up to 5000 yuan.
3, lightning learning loan app. Lightning Learning Loan app is a cash loan service launched by Shanghai Zhuxin Finance. The loan amount of Lightning Learning Loan is flexible. For college students in 300 yuan, 500 yuan and 800 yuan, the repayment period is as short as 7 days and as long as 15 days according to the repayment ability. Pure online operation, the loan is directly transferred to Alipay, and the next payment will arrive in about 10 minutes. You can borrow it and return it.
4. The ant borrowed it. Ant borrowing is a loan service launched by Alipay. At present, the application threshold is sesame score of 600 or above. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. It is very suitable for college students who often use Alipay. The longest repayment period of the loan is 12 months, and the expected annualized interest rate on the loan day is 0.04%, which is also aimed at young people.
5, Beijing sedan chair stool East gold bar. As the purpose of college students' loans is mainly consumption, JD.COM Gold Bar, as an upgraded version of JD.COM White Bar, is very attractive in meeting college students' consumption and purchase. Applicants can apply for JD.COM gold bars as long as they have passed JD.COM white bars and have a good consumption record of JD.COM white bars, which is very simple for college students.
A formal app where college students can borrow money.
First, the common formal apps that can borrow money are Alipay, WeChat, Anyihua, and your loan.
1, Alipay: Alipay is the most common payment software. You can apply for a loan by clicking Ant Borrowing on Alipay my page, but Ant Borrowing is only open to some Alipay users at present. This product is believed to be familiar to all Alipay users. It is a loan service platform launched by Alibaba. The big database behind the platform will provide different quotas for different users according to sesame credit scores. The maximum amount can be up to 300,000 yuan, and the longest repayment period is 12 months, which supports loan-as-you-go repayment.
2. WeChat: Log in to the WeChat client and click My-Pay-Micro-Loan in turn to borrow money. Microfinance is only open to some users. If you don't see the micro-loan on the payment page, it means that it is not open to the user at present.
3. Anyihua: Anyihua is a credit product of Instant Consumer Finance Company, and the loan amount ranges from 1 1,000 to 50,000 yuan.
4. Your loan: Your loan is a peer-to-peer lending platform. You can apply for a loan by downloading the loan app on your mobile phone.
Second, what should I pay attention to when borrowing an app?
First, reasonably choose the amount and duration of the loan. The loan amount needs to be determined according to your own economic situation, and you need to consider your own economic repayment ability to avoid excessive repayment amount and excessive pressure. Generally speaking, the loan term means that the interest will increase with the increase of loan time, so try to choose a loan with time and interest within your repayment ability according to your own situation.
Second, we must carefully check the relevant contracts of the online lending platform to avoid regulations that are not in line with our own reality or are unacceptable to us.
Third, be rational when repaying. In the case of being able to repay each loan, it is best to use the remaining funds for other aspects of investment, so as to obtain the maximum income. Many people who have been cheated by online loans have not carefully read the relevant contracts and regulations, which makes them unable to have a good legal advantage when winning the case. If you are a college student, it is not recommended to use online loans, because you have little experience and can't tell the difference between true and false, and you are likely to be tempted by fake online loans, resulting in heavy debts. Article 26 of the Provisions of the Supreme People on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases promulgated by the State Council defines the interest rate ceiling and the rights of lenders in the lending relationship.
What apps can college students borrow from?
The APP that college students can borrow is my first choice. Alipay Flower Garden is officially launched by Alipay, with high credibility and fixed repayment date.
JD.COM Gold Bar is an upgraded version of JD.COM White Bar. Applicants can apply, as long as they have JD.COM IOUs and good consumer credit.
E-time loan: E-time loan is mainly aimed at college students. E-time loan provides short-term loan services for college students, which is mainly used to solve the short-term financial problems of college students. The maximum credit line does not exceed 6,543,800 yuan. 2-hour loan real name registration, unsecured, pure credit loan! Simple process, one-click emergency.
It is suggested to spend rationally in universities, combine your own economic situation and do what you can, and don't get yourself into debt because of your desire to buy.
What platforms are there for college students' loans?
Hello, dear, there are several platforms for college student loans:
I accept a loan.
My loan APP claims to be the fastest platform for college students to borrow money. The amount is 300-3000 yuan, the loan interest is 1%-2%, and the loan term is 1 month -6 months. After college students register successfully, they can borrow money quickly by filling in relevant information and taking photos with their ID cards and student ID cards.
My loan amount is 300-3000 yuan, loan interest is 1%-2%, and loan term is 1 month -6 months. Review the next payment on the same day. It only takes three minutes to pass the audit quickly.
Second, the famous school loan
Famous School Loan APP is a college student loan APP launched by Pounder in Nuo Nuo. Just register and fill in the student status information to apply. Maximum loan amount 100-50000. The handling fee for borrowing money is 0.99%, calculated on a monthly basis. Funds can be received within 48 hours after borrowing.
Just register and fill in the student status information to apply. Maximum loan amount 100-50000. The handling fee for borrowing money is 0.99%, calculated on a monthly basis. Funds can be received within 48 hours after borrowing.
Third, college students' loans.
Jiurong Finance mainly offers college students' loans, entrepreneurial loans, school grass loans, school flower loans and emergency loans. The borrower of Jiurong Finance College Student Loan can apply as long as he is a college student or above, and he only needs to prepare his student ID card and ID card. The monthly interest rate is 0.98%, and the amount is100-50,000 yuan. In order to facilitate the emergency needs of college students, Jiurong Finance has specially launched emergency loan products, which are faster and easier to approve. The unified amount is 2000 yuan, which can be paid within 3 hours.
Fourth, lightning learning loans
Lightning Learning Loan provides the most flexible loan amount, providing loans for college students from 300 yuan, 500 yuan and 800 yuan. According to college students' repayment ability, flexible repayment periods as short as 7 days and as long as 15 days are provided.
Verb (abbreviation for verb) University loan
Mainly for college students, loans of 1 0,000 yuan are provided in 500 yuan and 800 yuan, and the loan period is 10-40 days. Family U charges a service fee (250. 1%/ day) for each successful loan.
Sixth, U-nation University Loan APP.
U-Family University Loan is a loan APP for college students' various consumption habits. The loan amount is1000-3,000 yuan, the loan term is 3-6 months, and the handling fee rate is 1.2%- 1.9%. The longer the loan term, the higher the interest rate.
Seven, flash silver APP
52 "people (2 years before graduation, 5 years after graduation), Flash Silver APP only needs an ID card and a bank debit card to get a loan, and the monthly handling fee rate is 1.5%-2%. The funds can arrive on the same day.
Eight, lightning learning loan APP
Lightning learning loan is a mobile phone software for college students' cash lending launched by Shanghai Zhuxin Finance. The biggest feature of the Android version of Lightning Learning Loan is that it can help college students solve their urgent needs. No matter they need urgent money in life, study and entertainment, they can use lightning loan to borrow. Lightning Learning Loan provides college students with loans ranging from 300 yuan, 500 yuan and 800 yuan, and it also makes a flexible repayment cycle as short as 7 days and as long as 15 days according to college students' spending power, which is very convenient.
However, it is suggested that college students should not spend in advance and use online loans, which will have a great impact on themselves if they are overdue.
I hope this answer can help you.
What loan software can college students apply for?
1, borrowed by ants.
Ant borrowing is a loan service launched by Alipay. At present, the application threshold is sesame score of 600 or above. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. It is very suitable for college students who often use Alipay. The loan has a long repayment period of 12 months, and the expected annualized interest rate on the loan day is 0.04%, which is also aimed at young people.
2.JD.COM gold bars.
For college students who often spend money on shopping, JD.COM Gold Bar is the most cost-effective loan for 20 17 college students. As the purpose of college students' loans is mainly consumption, JD.COM Gold Bar, as an upgraded version of JD.COM White Bar, is very attractive in meeting college students' consumption and purchase. Applicants can apply for JD.COM gold bars as long as they have passed JD.COM white bars and have a good consumption record of JD.COM white bars, which is very simple for college students.
3. The water image is divided into stages.
Water elephant installment is a small short-term loan software. At present, Water Elephant focuses on the youth market by stages with its flexible loan model. The loan amount is relatively small, ranging from 500 to 5000, without any guarantee or mortgage, and the loan speed is strong and the operation is simple and convenient. In terms of repayment, there are many options for installment repayment, which is very suitable for college students with unstable income.
4. Microfinance.
Micro-loan is a product of Tencent's Weizhong Bank. This product is positioned as an Internet micro-credit product, with a loan amount of less than 200,000 yuan and a loan interest rate lower than that of ordinary credit cards.
Extended data
Pay attention to college students' application for loans
1, control the number of applications.
Wrong way: In order to improve the speed and speed of the next payment, we often apply for more than a dozen online loans at a time.
In fact, this method is wrong. On the one hand, it will cause a lot of unnecessary online loan backlog. On the other hand, more online loan applications will also have an impact on reputation.
The method is to find several safe and reliable word-of-mouth products, search the relevant information by yourself, check the application conditions, and then choose the application of 1~2. If the approval fails, analyze and summarize first and then apply for a loan on the next platform.
2. Analyze the reasons for rejection.
If the loan is rejected, you must analyze the reasons for your rejection. Everyone has different qualifications.
Choose a loan platform that meets your own qualifications and improve the approval rate.
3. Choose loan products
It is very important to choose loan products. Some users like to find platforms, thinking that such platform risk control will be relatively loose. In fact, many platforms will refer to the applicant's third-party credit rating or the level of other accounts to evaluate the borrower's credit status, so as to decide whether to lend.
The introduction of student loan software ends here.