谁还敢网贷，2018年你还在用支付宝么？
我们如今生存的社会，难免会有一些金钱上的来往，而往往很多人都可能会遇到资金需要周转一下的时候。在这时候，大家一般会想着借点钱应急，那么你会选择怎么借呢。
有人会选择寻求亲朋好友的帮助，然而不管是不是脸皮薄要面子，借钱这种事往往是难以启齿的，不太好意思的。这种情况也会有一部分人考虑向银行借钱，也就是所谓的贷款。然而大家都知道，银行贷款的手续繁琐，很多人也懒得为那点额度折腾一回。那么顺应市场出现的各种所谓网贷的平台就进入了人们的视线。
不过在这里要提醒大家，网络贷款有好有坏，良莠不齐，有很多的网贷竟然和高利贷不相上下，规避监管，手续费奇高，还会泄露用户的个人资料，所以选择正规的网贷平台也是很重要的事，不要让不正规网贷平台毁掉自己的正常生活。
那么正规网贷是什么样的呢，今天我们用大家都知道，耳熟能详的支付宝举例。支付宝有个花呗和借呗，花呗是提前消费，借呗才是小额现金贷款，一般如果大家的信用分达标，都会得到借呗的额度。说起借呗，借款手续可以说相当的简单，也不需要你抵押任何东西，完全是用个人的信用度贷款，第二天就把钱打给你了，能很好的解决尴尬的燃眉之急。不过大家也不要以为这钱是白来的，别忘了，这既然是借，那就是一定要还的。在以后将是一个靠信用走天下的时代，包括现在的共享流都是依靠信用度，所以大家一定要珍惜自己的信用度，你的信用比你想象的更值钱。
很多人看到这里，忍不住想要去借呗尝试了，但是别急，你知道借呗的利率吗，你知道每个人的利息都不一样吗，大部分人都是0.05%的日利率，等同于信用卡，但是如果你有借有还，或者是有车有房的优质客户，利率会慢慢的降低，最低可达到0.015%，这代表你的信用很不错，得到了借呗的信任。
在众多网贷平台中，借呗可以说是十分良心了，不过大家也不要因为利率低，可以分期还款就随便贷款，还是要考虑自身的还款能力，钱来的再快再容易，也是要还的，希望大家一定要理性点哦。
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