1. Peer-to-peer lending means that both borrowers and borrowers borrow money on the Internet platform. Peer-to-peer lending mainly relies on small amounts, which originated in Europe and America during the financial crisis. Peer-to-peer lending has a certain effect in alleviating short-term capital seeking, risk financing and opening up personal investment channels. In fact, peer-to-peer lending is not difficult to understand. All processes such as authentication, bookkeeping, liquidation and delivery are completed through the Internet. Both borrowers and borrowers can achieve the purpose of lending without leaving home, and the amount is generally not high, and it is pure credit lending.
2. Online loans can be received in real time at the earliest, and some loans are slow and take 2-3 working days to arrive. Online loans are generally credit loans, which are applied online all the time without mortgage and guarantee, so the processing speed is much faster. Most lending institutions have passed the real-time audit of big data, and will lend money after the audit is passed.
3. Whether the online loan is credited mainly depends on whether the loan platform is connected to the credit information system. Usually, if an online lending platform that can obtain credit information requires authorization to inquire about credit information when applying for a loan, overdue loans on this online lending platform will inevitably have an impact on personal credit information. If there is no platform to access credit information, it is usually explained.