The information below is for reference only and does not constitute any form of investment or lending advice. Before making an actual decision, it is recommended that you carefully read the terms of each platform, consult a professional financial advisor, and verify whether the platform has been approved by the relevant regulatory authorities to ensure the safety of your own funds and legal compliance. In recent years, with the development of Internet finance, online lending (including P2P platforms and Internet micro-loan products) has attracted a lot of attention, but due to stricter supervision, changes in the market environment and individual platform risk events, the product form and optional platforms on the market are constantly changing. Therefore, the following only lists some platforms that were once relatively well-known and have a certain record of standardized operations in the industry. At the same time, you are reminded that the specific interest rate and amount often depend on factors such as the borrower's credit status, income, repayment ability and purpose of the loan. Do not make decisions based solely on the platform name. 【1. Online lending platforms (P2P type)】 In the past, platforms such as Yirendai, Lufax, and Paipaidai were relatively well-known in the market: • Yirendai: In the early days, it attracted more attention as a P2P lending platform, and generally gave different loan amounts and interest rates according to the qualifications of the borrower; • Lufax: Supported by the background of Ping An Group, its compliance and risk control system are relatively recognized by the market, but the amount and interest rate still depend on the actual situation of the individual; • Paipaidai: It used to provide more flexible lending services, but in recent years, the platform's business and regulatory environment have changed. Be sure to verify the latest situation before using it. It should be noted that due to the influence of stricter supervision, some P2P platforms have withdrawn from the stage of history or transformed, so when choosing such platforms, you should pay attention to their latest announcements and market trends, and ensure that the platform has legal qualifications. 【2. Third-party consumer loan products】 In addition, some credit loan products launched by Internet financial giants can also be considered, such as "Jiebei" and "Huabei" products under Alipay: • Jiebei: Generally suitable for short-term capital turnover, the amount and interest rate vary depending on the user's qualifications; • Huabei: More used for consumer installments, the interest and fee structure are different from traditional loan products, and you also need to carefully understand the usage rules. However, this type of product is usually based on consumer credit, with a lower amount, and the purpose is mainly to pay for consumption. Not all products are suitable for investment financing. 【3. Notes】 • The actual interest rate and loan amount will be determined by the platform based on your credit report, work income, debt status and other comprehensive credit assessments; • The platform's background, risk control capabilities, and fee structure (such as handling fees, early repayment fees, etc.) are all important factors affecting the final cost; • Using borrowed funds for investment often increases leverage risk. It is recommended to assess your own risk tolerance and be careful not to use borrowed funds for high-risk, uncertain return investments; • With changes in policies and market environment, products on different platforms may be adjusted, so before borrowing, be sure to compare the latest quotes and services of multiple platforms on the market. In short, if you are considering using online lending to obtain funds for investment, please make sure to do so in compliance with the law and in a safe manner, and fully understand the lending products and your own financial situation before making a decision. At the same time, given that both investment and lending are risky, it is recommended that you consult a professional financial advisor to obtain advice that better suits your personal situation.