1. Charge the upfront loan fee. The informal online lending platform, charging the loan membership fee, is to charge the loan upfront fee. As long as the platform charges, it will generally not be returned to users, and users who pay membership fees will also suffer economic losses. Moreover, users open members and then apply for loans, and the platform will not guarantee that loans can be made. Users finally get loan funds, and the outcome is good. If you don't get the loan funds in the end, you will lose the membership fee in vain.
2. Charge the upfront loan fee. The online lending platform requires users to open members, because this membership fee is outside the loan interest rate, so the platform can increase profits through membership fees. The loan interest rate is regulated. When the platform sets the loan interest rate, it generally sets the interest rate outside the legal scope. However, it will not limit the membership fee, and even the platform will say that users voluntarily pay the membership fee, and the supervision is not easy to judge.
3. It helps to screen platforms and distinguish users. After users open members, the platform will distinguish users, such as giving priority to users who have opened members, and providing users with a series of value-added services such as deferred repayment and early repayment. For users who have not opened members, the platform will postpone the review of the user's loan application, and even give priority to the users who have opened members when the loan amount is insufficient. At this point, users can indeed experience some rights services by opening members, but it is illegal for the platform to force users to open membership fees.
Users applying for online loan products can basically judge that the loan is irregular if they want to open a member withdrawal. Formal loans will not charge any upfront fees, and even if there is membership service, they will not promise to successfully withdraw cash through opening members. In this case, users need to immediately stop applying for loans and refuse to pay membership fees. After that, users can choose a formal online lending platform to submit loan applications. Before the loan is successful, the user does not need to pay any fees.