Hi Money Network is definitely suitable for college students' loans. College students' loans do not need any guarantee, and the interest rate is lower than the bank's 24-hour campus loans.

Let's see what others say.

Second, the ranking of formal lending platforms with low interest rates.

1, Ping 'an Little Orange Flower: Ping 'an Pratt & Whitney small unsecured credit loan, aged 22-45, non-student, with stable job and sensitive occupation, no bad credit record and stable repayment ability, so you can try the loan. The maximum is 200,000 yuan, and the daily interest rate is as low as the page display.

2.360 IOUs: pure credit loans operated by 360 departments of licensed financial institutions, with the maximum amount of 200,000 yuan and the daily interest rate as low as the annualized comprehensive interest rate of 9%. 65,438+08-55 non-university students who have a stable job and income can apply with their mobile ID cards.

3. Zhongan Small Loan: a pure credit loan launched by Chongqing Zhongan Co., Ltd., which can provide a maximum loan amount of 200,000 yuan and can be used for one credit cycle. The daily interest rate is so low that the borrower meets the basic conditions to complete the real-name authentication. The system will comprehensively evaluate and give specific interest rates and quotas.

4. Small loan: a pure credit loan launched by a licensed financial institution, which can be directly borrowed online without mortgage guarantee, with a maximum loan of 200,000 yuan. The annual interest rate is as low as the specific interest rate, and the amount depends on the borrower's comprehensive credit situation. The higher the comprehensive evaluation, the higher the amount and the lower the interest rate.

5. Doudou Money: It has a formal financial license and provides unsecured credit loans to borrowers aged 22-55 with good credit and stable repayment ability. The annualized interest rate is 7%-24%, and the daily minimum interest of the loan 1 10,000 yuan is less than 20,000 yuan. Specifically, the system realizes differentiated credit granting and pricing.

6. White Cat Loan: The micro-fast loan platform under Du Zhi Small Loan does not need to provide mortgage guarantee. Borrowers can apply for a loan by filling in the application materials for authentication or obtaining an exclusive quota on the APP line, and choosing the amount and loan term, because it adopts differentiated pricing. The better the borrower's qualification, the lower the interest.

7. Zhaolian Good Term Loan: The credit loan launched by Zhaolian Finance has a high amount and low interest. 18 ~ over 60 years old, with stable work and income and good credit. You can apply if you can provide your valid ID card and bank card. The better the qualification, the lower the interest rate offered by the system.

8. Ctrip Finance: It is also a product of a regular licensed financial institution, with high interest rate and fast lending. It does not require the borrower to provide mortgage guarantee. Those who meet the requirements and complete the real-name authentication can borrow money directly online. Desperate office workers can try to apply.

9. Comfortable expenses: The financial pure credit loan can be applied online in the whole process immediately, which can provide a maximum loan amount of 200,000, the longest installment can be divided into 12, and the lowest daily interest rate is 18 ~ 55 years old. Provide mobile phone number, ID card and bank card to complete real-name authentication, and the system will comprehensively evaluate credit granting and pricing.

10, JD.COM Gold Bar: The credit loan of Jingdong Finance is more reliable. If the borrower has a bank card tied to JD.COM real-name registration system account, he will have a chance to open it. The maximum amount is 200,000 yuan, and the annualized interest rate is so low that the loan application system will automatically approve it, and the loan can be released in 30 minutes at the earliest.

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Third, what are the reliable lending software?

It is recommended not to borrow money from informal websites. If it is a short-term loan, you can use Alipay's debit card here. If you borrow money for a short time, it will be 10 thousand a day. If it is long-term, it is not appropriate. After a long year, its interest rate will be as high as 16%. Another is to apply for a credit card in a bank with an interest-free period. It doesn't matter even after the interest-free period. Its interest rate is much lower than that. Unlike others, the interest rate is very high. There is a third way, find a familiar family, so that you can give it back to others when you have money in the future, but it is probably ungrateful. If it were me, I might choose Alipay or a credit card in the short term. If you work in a public institution, you can also choose provident fund loans, and the interest rate is very low. If you borrow money from the lending software, the amount you get will be completely inconsistent with the contract, and the interest rate will be very high, which will easily lead to interest of several thousand yuan, which may become several hundred thousand yuan in a very short time. Finally, I want to say that you should be cautious in borrowing money, and the software for borrowing money must be formal, not those crooked ways and all kinds of advertisements.