It is indeed a common way to obtain funds for investment through online borrowing, but it should be noted that any form of borrowing is accompanied by risks, especially in the investment field. If the investment fails, it may lead to the inability to repay the loan, which in turn affects the personal credit and financial situation. Therefore, before making any loans and investments, it is important to carefully assess your risk tolerance and repayment ability. The following are some online lending platforms with lower interest rates and higher loan amounts, but please note that this information may change over time. It is recommended to read the terms and conditions of the platform carefully before applying and consult a professional for advice.： ### 1. **Ants borrow** -**Platform background**: Ant Loan is a credit loan product owned by Ant Financial, relying on the Alipay platform. -**Features**: Interest is relatively low, and the loan amount is based on the user's credit score and Alipay usage, up to 300,000 yuan. -**Application conditions**: An Alipay account is required and a high credit score is required. ### 2. **Jingdong Gold Bars** -**Platform Background**: Jingdong Gold Bars is a credit loan product owned by Jingdong Finance. -**Features**: Interest is low, and the loan amount is based on the user's credit score and Jingdong account usage, up to 200,000 yuan. -**Application conditions**: A Jingdong account is required and a high credit score is required. ### 3. **Du Xiaoman Finance (formerly Baidu Finance)** -**Platform Background**: Du Xiaoman Finance is a financial service platform owned by Baidu. -**Features**: Interest is low, and the loan amount is based on the user's credit score and application information, up to 200,000 yuan. -**Application conditions**: Personal information and credit information need to be provided. ### 4. **microparticle loan** -**Platform background**: Micro Micro loan is a credit loan product owned by Tencent, relying on WeChat and QQ platforms. -**Features**: Interest is low, and the loan amount is based on the user's credit score and WeChat/QQ usage, up to 300,000 yuan. -**Application conditions**: A WeChat or QQ account is required and a high credit score is required. ### 5. **Zhaolian Good Term Loan** -**Platform Background**: Zhaolian Good Term Loan is a credit loan product of Zhaolian Finance, a joint venture between China Merchants Bank and China Unicom. -**Features**: Interest is low, and the loan amount is based on the user's credit score and application information, up to 200,000 yuan. -**Application conditions**: Personal information and credit information need to be provided. ### 6. **Pleasant Loan** -**Platform background**: Pleasant Loan is one of the leading online financial platforms in China. -**Features**: Interest is relatively low, and the loan amount is based on the user's credit score and application information, up to 500,000 yuan. -**Application conditions**: Personal information and credit information need to be provided. ### 7. **Lujin Institute** -**Platform Background**: Lujin is an Internet financial platform owned by Ping An Group of China. -**Features**: Interest is low, and the loan amount is based on the user's credit score and application information, up to 500,000 yuan. -**Application conditions**: Personal information and credit information need to be provided. ### Precautions： 1. **Credit score**: The loan amount and interest rate of most platforms are closely related to the user's credit score. Maintaining a good credit history helps to obtain a higher amount and lower interest. 2. **Repayment ability**: Before applying for a loan, be sure to evaluate your repayment ability to ensure that you can repay on time and avoid overdue credit. 3. **Investment risk**: There is a higher risk of borrowing to invest. It is recommended to choose a low-risk investment method and control the investment amount. 4. **Platform legality**: Ensure that the selected platform is legal and compliant, and avoid falling into the trap of illegal lending or usury. ### Summary： When choosing an online lending platform with a low interest rate and a high loan amount, it is important to consider the background of the platform, interest, loan amount, application conditions, and one's own repayment ability in a comprehensive manner. At the same time, investment needs to be cautious to avoid falling into financial difficulties due to investment failures. If you have any questions, it is recommended to consult a professional financial adviser or legal person. Hope this information is helpful to you, and I wish you a smooth investment!