Many online lending platforms do not allow student loans, but there are exceptions. What loan platforms 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. 2065438+September 2005 14, WeChat updated its version, and added the micro-loan function to the updated version of WeChat.

What if there is no way to use money urgently?

Many people are still concerned about how to use money urgently. The following small series will tell you this problem.

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's qualifications are different, so we should prescribe the right medicine.

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 comprehensive score is not enough to get a loan.

Many people are more concerned about whether they can borrow money if their comprehensive grades are not enough. Today, Bian Xiao will take you to understand this problem.

1, willful loan. Suning Financial's consumption staging platform, with a quota of 300,000 yuan, can be recycled, and the term can be freely selected as 5, 10 and 15.

2. Gome Easy Card. The loan amount is between 500-5000 yuan, and the loan can be released in 3 minutes without mortgage guarantee, with a term of 12 months.

In short, there are many platforms for loans with insufficient comprehensive scores, and everyone can choose freely according to their own needs.

The above is the relevant content about college students' loans, and I hope it will help everyone!