According to the propaganda related to lightning loan, lightning loan connects users and funds through data and risk control services, takes small amount dispersion as the basic principle, is driven by risk control robots, and helps "credit blank" users to establish credit documents through the Internet and big data technology, with the user's capital demand as the starting point.

"lightning loan" was launched on 20 14. According to official data, there were nearly 3 million registered users in two years, with a cumulative turnover of 3.5 billion, and the cumulative turnover exceeded 65.438+0.6 million.

Lightning loan can apply for a loan with WeChat, making fast loan faster and suitable for any place. However, lightning loans need some simple data proof before lending, such as name, ID number and so on. But because of this, the credit line of lightning loan application will not be very high.

Is there a credit report for lightning loan?

If you are overdue on the lightning loan, the platform will decide whether to apply for credit according to the situation. Seriously overdue, the lightning loan will be recorded in the credit information system.

Lightning loan has not yet been connected with the central bank's credit information system, but it has reached strategic cooperation with eight individual credit information service agencies authorized by the state. Personal overdue repayment records will enter the system of these credit reporting agencies.

If lightning strikes loans overdue, it will adversely affect personal credit and image. Therefore, we must develop the habit of repaying loans on time to avoid the adverse effects of personal credit expiration and rejection of loans in the future.

Lightning loan has accumulated millions of registered users in just a few years. Its credit model is still accepted by the public, and lightning loans can be lent immediately, which is very fast and meets the needs of small loans.