Although Zhaolian Finance is formal, it is not particularly reliable. Formal loan platforms usually don't charge pre-loan fees for any reason, so be vigilant when encountering them. If you need money urgently, you can consider using loans to relieve the pressure, and at the same time try your best to make money. There are many ways to apply for a loan now. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

Zhaolian Finance is a formal online loan company. Nevertheless, I personally don't recommend users to apply for such loan products.

The reason is also very simple. At present, almost all microfinance products on the market belong to the category of usury products. Although these products do not have such high interest rates on the surface, the annualized comprehensive service interest rate is very high, which has far exceeded the bank loans and bank credit cards that we often mention.

Zhilian Finance is more formal. At present, all loan products on the market are basically formal, and those non-compliant microfinance products have closed down. The purpose of saying this is not to encourage people to apply for small loans, because the water in small loans is too deep. Many users themselves are short of money, and after applying for small loans, their financial situation will only get worse. For users, applying for micro-loan products is a means to quench their thirst by drinking poison. 、

All online loan products are unreliable. Online loan products are very good at restraining borrowers, but they are not so reliable in application and implementation. In short, users will feel very convenient when applying for online loan products, and the next payment will be very fast. However, when users apply, they will find that the contract content is basically biased towards online lending companies, and it is difficult for users to defend their rights. For many users who apply for online loans, the contract of online loans will not be read, which will bring huge financial risks.

You can seek formal loan channels. Generally speaking, I personally recommend bank channel loans. The qualification requirements of bank channel loans will be higher, but the loan process and service rate are very formal. Many users may not meet the requirements of bank loans. For this kind of users, I suggest that such users give priority to the work around them and try not to touch the so-called micro-loans, because micro-loans will only make your debt higher and higher, and finally make you difficult.

To sum up, even if Zhaolian Finance is formal, it is still unreliable.