Zhaolian Financial Credit Information borrows money to obtain credit information. Since Zhaolian Finance is a formal lending platform, users should authorize the platform to inquire about personal credit information when applying for loans, and only when personal credit information is good will credit lines be granted. When borrowing money, different users get different credit lines, and the loan interest rate will be different.
Zhaolian Finance is an Internet credit lending platform launched by Zhaolian Consumer Finance Co., Ltd., a licensed consumer financial institution jointly established by China Merchants Bank and China Unicom. It has two product systems of "good loan" and "credit payment", which are mainly online and offline, and are embedded in various consumption scenarios such as shopping, tourism, decoration and medical beauty.
The maximum loan amount of Zhaolian Good Term Loan is 200,000 yuan, and the longest loan period is 36 months. It is worth mentioning that Zhaolian Finance also launched high-quality white-collar revolving loan products with more favorable pricing and one-time high-quota products "large term loan" under the "good term loan" product system to solve the temporary capital turnover needs of high-quality customers.
The loan handled by the user in Zhaolian Finance must be returned on time, and there can be no overdue situation. If the loan cannot be repaid on time, you can borrow money from friends around you, so as to avoid overdue. Follow-up individuals can pay back their money to their friends, and don't often borrow money from friends.
It is worth noting that every time a user borrows money, he will be queried for credit information, and at the same time, he will also record future loans. If users often use Zhaolian Finance to apply for loans and then apply for loans from banks, they are likely to be rejected, because many loan records show that there are problems with users' funds, and subsequent banks will worry that users will not be able to return them on time.