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Vay tiền online là hình thức mà người vay không cần đến ngân hàng làm thủ tục vay, bạn có thể dễ dàng tạo hồ sơ vay online tại nhà vào bất kỳ lúc nào thông qua website hoặc ứng dụng cho vay online. Hồ sơ vay sẽ được phê duyệt nhanh chóng và khoản tiền vay sẽ được chuyển trực tiếp vào tài khoản ngân hàng của bạn.

Hiện nay có rất nhiều các đơn vị cung cấp dịch vụ cho vay tiền online để tiêu dùng vì thế để chọn được một dịch vụ vay tiền uy tín chất lượng không hề dễ dàng.

Vay tiền online là gì?

Vay tiền online đơn giản là một hình thức vay không cần thế chấp, không cần tài sản đảm bảo. Là một hình thức cho vay tín chấp dựa vào uy tín cá nhân. Các thao tác vay có thể thông qua app, website, gọi điện thoại…

Vay tiền online sở hữu các ưu điểm vượt trội như:

Tiết kiệm thời gian: mọi quá trình vay vốn đều được thực hiện qua web hoặc app nên sẽ tiếp kiệm thời gian đi lại cho khách hàng.
Thời gian giải ngân nhanh: Do tiết kiệm được khâu đi lại, thu hồ sơ nên sẽ rút ngắn được thời gian duyệt vay. Khách hàng sẽ nhanh chóng biết kết quả hồ sơ của mình và lấy được tiền vay từ các tổ chức tín dụng.
Đa dạng sản phẩm cho khách hàng lựa chọn: hiện nay các công ty tài chính triển khai khá nhiều sản phẩm vay online như vay qua hộ khẩu, cà vẹt xe, hóa đơn điện nước, bảng lương….
Số tiền vay linh hoạt: Khách hàng có thể vay từ vài triệu đến 100 triệu tùy theo nhu cầu của mình.

Điều kiện khi vay tiền online

Độ tuổi: Từ 20 – 60 tuổi.
Giấy tờ: Cần CMND/căn cước công dân để đăng ký.
Nghề nghiệp: Người đi làm có thu nhập.
Có tài khoản ngân hàng.
Không có nợ xấu.

Quy trình đăng ký vay tiền online

Bước 1: Hoàn thành đăng ký đầy đủ thông tin trong 5 phút.
Bước 2: Nhân viên tổ chức tín dụng gọi cho bạn để tư vấn và xác nhận thông tin khoản vay.
Bước 3: Hồ sơ của bạn được duyệt thành công. Tiền sẽ về tài khoản ngân hàng của bạn ngay lập tức sau vài phút.

Vay tiền online ở đâu uy tín?

Vay tiền ở đâu uy tín là câu hỏi nhiều người thắc mắc hiện nay. Danh sách 10 tổ chức cho vay tiền online uy tín hàng đầu hiện nay sẽ giúp bạn dễ dàng lựa chọn.

FE Credit

Sau nhiều năm hoạt động, FE Credit đã trở thành một công ty tài chính đầu ngành với hơn 15.000 nhân viên và đối tác trải dài khắp 64 tỉnh thành trên toàn quốc, phục vụ hàng triệu người dân Việt Nam qua các sản phẩm và dịch vụ cho vay tín chấp, trong đó phải kể đến sản phẩm cho vay tiền mặt.

Ưu điểm khi vay tiền online tại FE Credit:

Thời gian duyệt hồ sơ nhanh.
Tất cả đều làm việc Online sau đó xác nhận khoản vay qua điện thoại.
Không cần thế chấp tài sản.
Thủ tục đơn giản.
Nhận tiền trong tài khoản ngân hàng.
Bảo mật thông tin.

Home Credit

Sau 12 năm hoạt động trên thị trường tài chính, Home Credit hiện đã vươn lên trở thành một trong những công ty dẫn đầu trong lĩnh vực vay tiêu dùng trả góp.

Ưu điểm vay tiền online tại Home Credit:

Thủ tục đơn giản: Chỉ cần CMND và Bằng lái/Hộ khẩu.
Không cần thế chấp hoặc chứng minh thu nhập.
Lãi suất cạnh tranh.
Thời gian vay linh hoạt.
Số tiền vay lên đến 80 triệu.
Duyệt vay trong ngày.

One Click Money

Online One Click Money là app vay tiền được công ty Công ty TNHH MTV LEND TOP phát triển với những điểm nổi bật như sau:

Hỗ trợ hạn mức vay: 500k, 1 triệu, 2 triệu, 3 triệu, 4 triệu, 5 triệu … 10 triệu.
Hồ sơ đăng ký: Chứng minh thư.
Thời gian giải ngân: 10 – 30 phút.
Hình thức giải ngân: thẻ ATM hoặc tài khoản ngân hàng.

Tima

Tima là một trong những nhà cung cấp nền tảng công nghệ cho vay ngang hàng (P2P) đầu tiên tại Việt Nam.

Tại Tima rất nhiều gói vay được phụ vụ với mọi nhu cầu và điều kiện của khách hàng, ví dụ vay theo lương, vay theo sổ hộ khẩu, đăng ký xe máy, hóa đơn điện, tài khoản Icloud iPhone… và các gói vay cầm cố điện thoại, ô tô, xem máy, máy tính…với những ưu điểm nổi bật như:

Đăng ký vay online đơn giản qua trang web hoặc app trên điện thoại.
Số tiền vay cao, nằm trong khoảng từ 5 triệu – 50 triệu.
Thời hạn vay dài từ 10 ngày – 100 ngày.
Thủ tục đơn giản, dễ dàng, một số gói vay chỉ cần chứng minh thư và sổ hộ khẩu.
Duyệt thông tin đăng ký nhanh.
Ký hợp đồng tại địa điểm khách hàng yêu cầu.
Bảo mật khoản vay.
Không giữ tài sản.
Giải ngân trong ngày nhanh chóng.

Doctor Đồng

Doctor Đồng là dịch vụ tài chính thuộc công ty TNHH MTV Vạn An Phát – cung cấp giải pháp tài chính cho phép bạn vay từ 500 nghìn đồng – 10 triệu đồng.

Ưu điểm khi vay tiền online tại Doctor Đồng

Nợ xấu vẫn được hỗ trợ vay.
Chi phí vay luôn luôn rõ ràng, hiển thị minh bạch ngày trên website vay tiền nhanh.
Tất cả đều làm việc Online sau đó xác nhận khoản vay qua điện thoại.
Giải ngân ngay sau 30 phút.

Money Cat

Money Cat được đánh giá là một trong app vay tiền duyệt tự động tốt nhất hiện nay. Ngoài ra Money Cat còn sở hữu nhiều ưu điểm như:

Hạn mức vay linh hoạt từ 500 nghìn đồng đến 10 triệu đồng.
Không cần tài sản thế chấp.
Dễ dàng đăng ký trên điện thoại.
Lãi suất 0% cho khoản vay 3 triệu đầu.
Hỗ trợ vay toàn quốc cho mọi khách hàng.

HD SaiSon

Là công ty tài chính tiêu dùng có mặt sớm nhất ở thị trường Việt Nam, đến nay, HD SaiSon khẳng định được sự uy tín trên thị trường hiện nay.

Ưu điểm vay tiền online tại HD Sài Gòn

Số tiền vay lên đến 70 triệu đồng.
Thủ tục nhanh chóng, đơn giản.
Không thu phí hồ sơ.
Không cần thế chấp tài sản.
Khách hàng đã vay vẫn được xem xét hồ sơ.
Thanh toán chuyển khoản, nhận tiền chuyển khoản.

Senmo

Senmo thuộc Công ty TNHH Gofingo Việt Nam, được Sở Kế hoạch và Đầu tư TP. Hồ Chí Minh cấp Chứng Nhận Đăng Ký Kinh Doanh ngày 27 tháng 02 năm 2019.

Ưu điểm của gói vay online tại Senmo:

Khoản vay từ: 500 nghìn – 4 triệu cho khách hàng mới và cho vay tối đa 10 triệu với khách hàng cũ.
Thời hạn vay 10 ngày và có thể vay tới 30 ngày.
Nhận tiền ngay trong ngày.
Thanh toán dễ dàng.
Không yêu cầu chứng từ hoặc tài sản thế chấp.
Thủ tục gia hạn đơn giản.

Cash24

Cash24 là sản phẩm của Ideal Teach – thương hiệu với nhiều năm kinh nghiệm, uy tín, dịch vụ hỗ trợ các khoản vay online siêu tốc.

Với Cash24, bạn nhận khoản vay từ 1 – 15 triệu, hỗ trợ thanh toán trong 3 tháng chia đều thành 6 kỳ hạn trả (Nhưng bạn cũng có thể thanh toán hết khoản vay bất kỳ lúc nào).

Ưu điểm vay tiền online tại Cash24

Ưu đãi 0% lãi suất và phí, chỉ cần trả số tiền gốc tất toán.
Vay trả góp trong 3 tháng, có thể thanh toán sớm.
Vay lần đầu đến 5 triệu, và đến 15 triệu từ lần thứ 2 trở đi.

MoneyTab

MoneyTab là ứng dụng kết nối hạn mức tín dụng cá nhân đầu tiên của châu Á (với đối tác FE Credit tại Việt Nam).

Ưu điểm khi vay tiền tại MoneyTab:

Khách hàng được phê duyệt khoản vay tối thiểu 1 triệu đồng và tối đa 50 triệu đồng.
Không cần thế chấp tài sản cũng không cần người bảo lãnh.
Khách hàng được rút tối thiểu 1 triệu đồng đến hạn mức mà bạn được phê duyệt.
Chỉ cần trả lãi cho số tiền mà bạn sử dụng trong hạn mức chứ không phải trên toàn bộ hạn mức.

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