Since the beginning of 2025, many banks have launched a new round of consumer loan interest rate promotions, and some banks' minimum consumer loan interest rates have dropped to the beginning of “2.” “If you apply for our consumer loan product 'Easy Loan' before January 27, you can enjoy a minimum preferential interest rate of 2.76%, and the maximum online application amount can reach 300,000 yuan.” At a branch office of Minsheng Bank in Xicheng District, Beijing, the bank's staff told reporters. China Merchants Bank's Beijing account manager told the reporter, “The Bank is launching a flash loan 10th anniversary campaign. Currently, the minimum interest rate that customers who meet the requirements can apply for is 2.78%. Furthermore, until January 26, the Bank will issue 1,000 2.68% interest coupons every Friday, and customers can participate in coupon grabbing. On the anniversary day of January 18, 10,000 118 yuan interest vouchers will also be issued.” A staff member at the Beijing Fengtai branch of the Bank of Ningbo said, “Before January 13, the Bank's Ninglaihua products launched a new customer benefit. The initial loan interest rate can be as low as 2.88%, with a maximum amount of 200,000 yuan. It can be processed exclusively online, and you can repay as you like, without interest.” In addition, branches of some major state-owned banks have also launched preferential interest rate activities within their jurisdiction, and interest rates have been reduced to less than 3%. The Hubei branch of China Construction Bank will distribute personal consumer loan coupons with an interest rate of 2.9% on January 1, 2025, but there are only 600 in Hubei Province. It is worth noting that while banks are scrambling to solicit customers, they have not lowered the entry threshold for consumer loans, and there are certain requirements for borrowers' qualifications.

Since the beginning of 2025, many banks have launched a new round of consumer loan interest rate promotions, and some banks' minimum consumer loan interest rates have dropped to the beginning of “2.” “If you apply for our consumer loan product 'Easy Loan' before January 27, you can enjoy a minimum preferential interest rate of 2.76%, and the maximum online application amount can reach 300,000 yuan.” At a branch office of Minsheng Bank in Xicheng District, Beijing, the bank's staff told reporters. China Merchants Bank's Beijing account manager told the reporter, “The Bank is launching a flash loan 10th anniversary campaign. Currently, the minimum interest rate that customers who meet the requirements can apply for is 2.78%. Furthermore, until January 26, the Bank will issue 1,000 2.68% interest coupons every Friday, and customers can participate in coupon grabbing. On the anniversary day of January 18, 10,000 118 yuan interest vouchers will also be issued.” A staff member at the Beijing Fengtai branch of the Bank of Ningbo said, “Before January 13, the Bank's Ninglaihua products launched a new customer benefit. The initial loan interest rate can be as low as 2.88%, with a maximum amount of 200,000 yuan. It can be processed exclusively online, and you can repay as you like, without interest.” In addition, branches of some major state-owned banks have also launched preferential interest rate activities within their jurisdiction, and interest rates have been reduced to less than 3%. The Hubei branch of China Construction Bank will distribute personal consumer loan coupons with an interest rate of 2.9% on January 1, 2025, but there are only 600 in Hubei Province. It is worth noting that while banks are scrambling to solicit customers, they have not lowered the entry threshold for consumer loans, and there are certain requirements for borrowers' qualifications.